man fitting solar panels on roof

What to consider when thinking about getting solar panels.

Adding solar panels is a big home investment.  It’s a big decision to make so it’s wise to know if these expensive solar panels will be covered by home insurance.


Residential solar energy installations are typically covered as part of a home insurance policy. However, be sure to check with your agent to learn whether your policy provides coverage and to discuss variables, such as roof-mounted vs ground-mounted panels, which may affect your coverage.


Your insurance policy’s coverage limit is the maximum amount that it will pay towards a covered loss. In 2019, the cost of an average 6-kilowatt solar panel system was $18,300 before tax incentives and rebates. This means that solar is an investment worth tens of thousands of dollars. While your solar panels are likely covered under your standard home insurance policy, you may want to talk to your insurer about raising your coverage limit.


When you upgrade to solar energy, ensure your home insurance meets your needs. Ensure that you have the coverage by visiting the professionals at Sausman Insurance Agency. Our team is here to help you protect your home in Mifflintown, Millersburg, Lewistown, and beyond.