What Insurance Companies Cover Solar Panels In Florida
Solar Panel
Mark Lucas  

What Insurance Companies Cover Solar Panels In Florida

As Florida basks in its abundant sunshine, more homeowners are turning to solar panels to harness renewable energy and reduce their carbon footprint. However, while solar panels offer numerous benefits, they also represent a significant investment. To protect this investment, it’s crucial to understand what insurance options are available for solar panels in Florida.

In this blog post, we’ll explore the types of coverage you might need and what insurance companies cover solar panels in Florida.

Solar Installations in Florida

There are over 90,000 solar installations in Florida. This is an optimal location for solar installations, which have gained increasing popularity among both residential and commercial property owners. Solar installations offer the advantage of harnessing renewable energy, reducing electricity costs, and contributing to a greener and more sustainable environment. According to study you can get Florida solar energy statistics in detail

Florida Solar Statistics

solar panel in florida

Source: electricrate.com

Why Insure Your Solar Panels?

Before we delve into the specifics of solar panel insurance in Florida, let’s briefly discuss why insuring your solar panels is essential.

  1. Cost Protection: Solar panels are a substantial financial investment. If they are damaged or stolen, the cost of repair or replacement can be exorbitant. Insurance helps mitigate these costs.
  2. Peace of Mind: Knowing your solar panels are protected against unforeseen events like storms, hurricanes, or vandalism provides peace of mind.
  3. Homeowner’s Insurance May Not Be Enough: While some homeowner’s insurance policies might cover solar panels, the coverage may be limited. Specific solar panel insurance can fill the gaps.

Types of Solar Panel Insurance

Several types of insurance can cover solar panels in Florida:

  1. Homeowner’s Insurance: Some homeowner’s insurance policies cover solar panels as part of your dwelling coverage. However, the coverage might be limited and not include all perils.
  2. Solar Panel Warranty: Solar panels typically come with manufacturer warranties. These warranties often cover defects and performance guarantees but may not protect against damage or theft.
  3. Solar Panel Specific Insurance: This specialized coverage is designed specifically for solar panels. It offers comprehensive protection against damage, theft, and other risks.

Which Insurance Companies Cover Solar Panels in Florida?

Now, let’s look at some insurance companies in Florida that offer coverage for solar panels:

  1. State Farm: State Farm offers a variety of homeowner’s insurance policies and may provide coverage for solar panels. It’s essential to check your specific policy and inquire about any additional coverage options.
  2. Allstate: Similar to State Farm, Allstate is a well-known insurance provider that might offer coverage for solar panels. Be sure to review your policy and discuss any necessary endorsements.
  3. Progressive: Progressive is another insurance company to consider when insuring your solar panels. They offer homeowners insurance policies that may include coverage for solar panel systems.
  4. Local Insurance Providers: In addition to national insurance companies, consider reaching out to local insurance providers in Florida. They may offer specialized solar panel insurance tailored to the region’s unique climate and risks.

See Also: Can You Put Solar Panels on a Metal Roof

Tips for Getting Solar Panel Insurance in Florida

Here are some essential tips for securing insurance for your solar panels in Florida:

  1. Review Your Existing Policies: Start by reviewing your homeowner’s insurance policy to see if solar panel coverage is already included. If it’s not, inquire about adding this coverage.
  2. Shop Around: Obtain quotes from multiple insurance companies to compare coverage options and pricing. Don’t hesitate to ask questions about policy details and endorsements.
  3. Check Deductibles: Pay attention to the deductible associated with solar panel coverage. A lower deductible may lead to higher premiums but could be worth it if you ever need to make a claim.
  4. Understand Coverage Limits: Ensure that you understand the coverage limits of your policy, especially regarding damage or theft of solar panels.


As solar energy becomes increasingly popular in Florida, protecting your investment with the right insurance coverage is crucial. While some homeowner’s insurance policies may offer limited protection for solar panels, it’s advisable to explore specialized solar panel insurance options.

By reviewing your policies, comparing quotes, and understanding the coverage details, you can secure the peace of mind that comes with knowing your solar panels are protected from unforeseen events in the Sunshine State.

Leave A Comment