For homeowners considering solar, it’s natural to have questions—not just about energy savings or installation, but about how it might affect other aspects of homeownership, like insurance. One concern we hear from time to time is: Will installing solar panels make it harder to get or keep my home insurance?

Let’s clear things up.

Most Homeowners Keep Their Coverage—No Problem
The truth is, most reputable insurance providers are well-acquainted with solar installations and continue coverage without issue. In rare cases, a carrier may have outdated underwriting guidelines or choose not to insure homes with rooftop solar. But this is the exception, not the rule.

When that does happen, it’s often an opportunity in disguise.

 

A Good Time to Re-Evaluate Coverage

If your insurer raises concerns—or even if they don’t—this is a good time to shop the market. Homeowners often find that by surveying other providers, they can get more comprehensive coverage, sometimes at a better rate.

At Aspire Solar, we work closely with local professionals and have relationships with standout insurance brokers who specialize in homes with solar. If you ever need a referral, we’re happy to connect you with someone who understands both your home and your solar system.

 

Solar Doesn’t Typically Raise Your Premiums

Another common myth is that solar raises your insurance premiums because of added risk. In reality, that’s not usually the case. Most systems are considered a permanent improvement to the home, similar to a kitchen renovation or room addition.

That added value means you may want to increase your dwelling coverage, but it’s not because the risk has gone up—it’s because your home is now worth more. And even then, any increase to your premium is typically marginal.

Think of it this way: if you spent $25,000 upgrading your kitchen, you’d want insurance to cover that upgrade in case of a total loss. Solar works the same way—it adds value, and ensures that value is simply good sense.

 

Added Benefits of Going Solar

Beyond insurance, solar brings plenty of homeowner advantages:

● Lower monthly electric bills

● Energy independence and protection from rising rates

● Increased property value and appeal to future buyers

In other words, any temporary inconvenience (like double-checking your policy) is more than offset by long-term benefits.

 

Final Thought: Don’t Let Insurance Myths Delay Your Decision

At Aspire Solar, we believe education is just as important as installation. That’s why we stay connected with other local businesses and professionals—so we can point our clients to the right resources when questions come up.

If you’re thinking about solar and want to better understand how it would affect your home insurance or overall property value, we’re here to help. Ask us for a free report customized to your home.