Photovoltaic insurance protects your solar system against unforeseen damage caused by weather events such as storms or hail, as well as vandalism, theft, and technical defects. Solar installations are a major investment—often amounting to tens of thousands of euros. Without proper insurance, repair or replacement costs can be financially burdensome.

In addition to coverage for physical damage, photovoltaic insurance also protects you against loss of income. If your system cannot generate electricity due to an insured event, the policy will compensate for lost revenue. This ensures the long-term value of your investment while you continue to benefit from reduced energy costs and greater independence from energy providers.

Typical coverage includes:

• Physical damage from weather events like storm, hail, lightning, or snow load
• Vandalism and theft
• User errors and intentional damage by third parties
• Material and construction defects
• Loss of income if the system stops producing electricity due to an insured event—the missed revenue is reimbursed

The insurance covers:

• Repair costs
• Replacement of damaged components such as solar panels, inverters, and battery storage systems
• Indirect costs such as cleanup and disposal of damaged parts

The premium depends on several factors, including:

• The size and output of the system
• The location and insured sum
• The scope of coverage
• The value of any battery storage
• Existing security measures, such as theft protection

Most homeowner’s insurance policies only offer basic protection, typically covering damage from fire, storm, or water. To protect against theft, vandalism, and loss of income, a dedicated photovoltaic insurance policy is highly recommended.

Yes, many photovoltaic insurance policies allow you to extend coverage to include solar thermal systems as part of the same policy.