Are Solar Panels Covered On My Homeowner’s Insurance?

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It depends…Here’s how it works with Allstate in the state of Washington.

If you are looking at getting Solar Panels for your home, there are a few things that you need to think about first.

How you attach them to your home makes a big difference!


If the panels will be permanently attached to your home, then they would be covered under your dwelling coverage. If you are adding the solar panels after your policy has been written, make sure that you talk to your agent to increase the dwelling coverage.


If they are going to be standalone panels, such as set up in the yard, then they would be covered under the “other structures” coverage, such as your detached garage. Most policies include an automatic 10% of what the dwelling amount is for other structures. It’s a good idea to verify that you have enough coverage.


If you are going to have portable panels, those would be covered under your contents coverage, like your furniture and belongings.

If you are considering solar panels and want to make sure that you are covered correctly, please give us a call at Matt Elwood’s Allstate Agency at 360-452-9200.