This question is part of the Super Big Solar Panel FAQ from Solar Mango, where expert answers to over 100 important questions on solar panels are provided.


Before determining whether or not you need to insure your solar photovoltaic (PV) installation, it’s important to understand what you’d be insuring against.

Most high quality solar panels carry 25-year warranties that protect you from malfunctions and breakages.

With no moving parts, solar panels are incredibly resilient. Occasional cleaning and minimal upkeep can keep a well-installed PV system going strong for decades. In fact, many solar installations continue generating clean electricity for 40 years or longer (well beyond the manufacturer’s warranty).

As a result, the vast majority of solar PV installations do not require any additional insurance. Breakages are rare. And if they happen, you are usually fully covered.

What if you’re risk-averse and want extra protection? After all, falling debris isn’t always covered under the manufacturer’s warranty. And what about unforeseen accidents like natural disasters?

Super Big Solar Panel FAQGet to know answers to over 100 important questions on solar panels from here.


In many cases in western countries such as the US,  homeowners insurance policies automatically cover solar installations. In these cases, you don’t need to buy additional insurance. But this is unlikely to the case in countries such as India – but it is best for you to check with your home insurance company, all the same!

If your current insurance company doesn’t cover solar installations, then you can consider talking to specialised solar insurance providers.

Do remember that in countries such as India, solar power plant and solar panel insurance are indeed evolving sectors, but you already have a good number of packages.

Packages offer protection typical risks such as fire, storm and theft .

Insurance packages are also available for over all solar power plant, that cover risks from breakdown, minimum yield and construction risks.

Specifics of the packages vary from one insurance company to another, so please check with the insurance company on all the risks that the insurance package covers.

You can get to know more from here on Solar Power Plant Insurance.

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