Having panels fitted is a major change to your home and could change your cover.
All insurers impose limits on their standard insurance cover. This can be a limit on the total amount they're willing to pay out, or the amount they will pay out for one single item.
Even if your insurer is happy to cover your solar panels, it's worth checking that the limit for your buildings insurance cover is enough to replace your panels.
At LV= we have a limit of £1,000,000 to rebuild your home on our Home Insurance or unlimited cover on Home Plus.
Buildings insurance will cover your solar panels if they get damaged as a result of fire, storm, water, subsidence, impact (a falling tree for example), theft or vandalism, but not necessarily if they are damaged accidentally or for wear and tear.
You may want to take out additional accidental damage cover to protect your panels against unintentional damage.
So, before you decide to install solar panels, we recommend that you ask your insurer three important questions:
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