Here at Assure-Us, one of the questions that we are frequently asked is whether your home insurance policy in Miami Beach, FL covers solar panels that you may be planning to install on your roof. Here is important information that you need to know about your homeowner’s insurance policy if you are thinking about solar panels. 

Whether the Solar Panels Are Covered

In most cases, solar panels are considered a permanent fixture or addition to your home. As such, they are included in most policies. However, it is important to not assume they are covered under your policy. Contact your home insurance policy or carefully read your policy to ensure solar panels are not an exclusion under your policy. 

Reasons the Solar Panels May Not Be Covered

It is important to understand that while solar panels may be covered under your policy, they may not be covered in every event. For example, if your homeowner’s insurance policy excludes hurricane damage, solar panels damaged in a hurricane would still be excluded. Maintenance-related issues are typically not covered as well. 

Other Important Factors to Consider

Finally, it is important to consider whether your home insurance policy limit needs to be increased if you are installing pricey solar panels. Your policy may need to be increased once solar panels are installed. 

In most cases, solar panels are covered by your home insurance policy. However, in other cases, you may need to make changes to your policy or purchase a separate solar panel add-on policy to ensure yours are covered. If you are looking to purchase home insurance in the Miami Beach, FL area that covers your solar panels, contact us here at Assure-Us. We can help find a home insurance policy to meet all of your needs.