Can I insure solar panels with home insurance?
Nowadays, more and more people are choosing to generate energy through solar panels. Solar panels are sustainable, better for the environment and also good for your wallet in the long run. However, solar panels are quite an investment as they are not cheap. Therefore, you naturally want your solar panels to be properly insured in case of damage. But exactly which insurance should you take out to insure your solar panels? You can read about it on Alpina.nl.
Building insurance or contents insurance?
You can insure your solar panels with buildings insurance, provided they are nailed to the roof. In some cases, solar panels are not nailed down, for example, if you have a flat roof. In that case, the solar panels are not part of your house and are therefore not covered by buildings insurance.
Another option is to insure your solar panels with contents insurance. If the solar panels are not nailed to the roof, they are covered under your contents insurance. Different conditions do apply in this case, because the solar panels are outside your home. Always check the insurance company's policy conditions. Do you live in a rented house? Then the solar panels are also covered by your home contents insurance.
Insure your solar panels with home insurance
Of course, you can also choose to purchase home insurance for your solar panels. Home insurance is a combination between building insurance and contents insurance. Then you can be sure that your solar panels are properly insured in case of damage. In addition, you then have both your home and contents insured directly. If you take out a home insurance package, you will also receive a discount on the premium.
So what am I insured for?
With standard home insurance, your solar panels are insured against damage from fire, hail, lightning, storm and theft. For storm damage, the insurer always charges an excess. This is usually about €200. Each home insurance company sets different conditions for coverage. Often damage due to improper installation, costs due to malfunctions and invisible damage to the solar panels are not covered.
Take out home insurance directly through Alpina
Take out home insurance directly on Alpina.nl. The first step is to compare different insurers. Have you found the right home insurance? Then you can purchase it directly online. Be sure to keep your information and the details of your home handy. Not quite there or still have questions? Then be sure to contact us! You can reach us by phone from Monday to Friday at 088 - 6883700. You can also always send us a message via chat, WhatsApp or Messenger.
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