Do I need to insure my solar modules? Will it affect my homeowner’s insurance premium?

Do I need to insure my solar modules? Will it affect my homeowner’s insurance premium?

Most rooftop solar systems should be covered as part of your standard homeowner’s insurance policy. This finding comes from a report by the National Renewable Energy Laboratory (NREL). In some states, larger “Tier 2” systems (Tier 2 size varies by local rules) require additional liability coverage. Contact your insurance company before you install your system to let them know about the addition to your property. Ask:

• Will it affect the premium?
• In the event of damage, will solar system replacement costs exceed my current policy coverage limits?
• What deductible will the solar array fall under?
• Will any supplemental liability coverage be required due to system size?
• If your system is on the ground, does it require additional insurance?