Photovoltaic Insurance
Your Protection for Solar Panels and PV Systems
Your Protection for Solar Panels and PV Systems
Safe and Sustainable: Protect Your Photovoltaic System Effectively
Photovoltaic systems represent a significant investment—and are exposed to a wide range of risks. With photovoltaic insurance, you can protect yourself from financial losses caused by events such as storms, user errors, or vandalism. While standard property insurance typically offers basic protection against fire, storm damage, or water leaks, photovoltaic insurance extends this coverage to include critical risks like theft, vandalism, user error, and loss of income due to downtime.
What Does Photovoltaic Insurance Cover?
Photovoltaic insurance protects against:
- Physical damage caused by weather events, lightning strikes, overvoltage, or snow pressure
- Vandalism and theft of installed components
- User errors and intentional third-party damage
- Material defects and construction faults
Coverage can also be extended to include solar thermal systems.
Loss of Income and Repair Costs
One of the main advantages of photovoltaic insurance is coverage for lost income. If your system is unable to generate electricity due to an insured event, the policy reimburses the lost revenue.
The insurance also covers repair and replacement costs for damaged components such as solar modules, inverters, and battery storage systems. Indirect expenses, such as cleanup and disposal costs, are often included as well.
How Are Insurance Premiums Calculated?
Premiums depend on:
- The size and output of your system
- The location and scope of coverage
- The value of any battery storage units
- The presence and quality of theft protection measures
Comprehensive Protection for Your Photovoltaic System
A photovoltaic system not only reduces your energy costs but also makes a valuable contribution to environmental sustainability.
To ensure your investment pays off in the long term, you should protect it against unexpected damage. A dedicated photovoltaic insurance policy gives you exactly that—comprehensive, tailored, and reliable coverage.
FAQs - Photovoltaic Insurance
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.
