Solar energy is a great way to save money on your electricity bills, reduce your carbon footprint, and increase the value of your home. But installing solar panels on your roof also comes with some risks, such as damage from storms, fire, theft, or vandalism. That’s why you need to make sure your solar system is properly insured by a solar-friendly carrier.
A solar-friendly insurance carrier is one that recognizes the benefits of solar energy and offers coverage for your solar system at a reasonable cost. Some insurance carriers may not cover solar panels at all, or may charge you extra for them. Others may only cover the panels if they are owned by you, not leased or financed by a third-party company.
A solar-friendly insurance carrier, on the other hand, will cover your solar system regardless of how you acquired it, and will not charge you an arm and a leg for it. They will also pay you the replacement value of your solar system, not the depreciated value, in case of a loss. And they will not cancel your policy or raise your premiums just because you have solar panels on your roof.
Finding a solar-friendly insurance carrier in Florida can be tricky, as not all carriers are transparent about their policies and rates for solar systems. You may have to do some research and compare different quotes from different carriers to find the best deal. You may also have to contact your existing carrier and ask them about their solar coverage, or switch to a new carrier if they are not solar-friendly.
To make your life easier, we have compiled a list of some of the most solar-friendly insurance carriers in Florida, based on our experience and feedback from our customers. These carriers are known to offer comprehensive and affordable coverage for solar systems, and to have a positive attitude towards solar energy. Here they are, in no particular order:
Tower Hill Insurance Group - Tower Hill is one of the largest and most trusted insurance carriers in Florida, with over 40 years of experience. They offer a variety of home insurance products, including a solar endorsement that covers your solar system for up to $10,000, with no deductible. You can also increase this limit for an additional premium. Tower Hill also offers discounts for energy-efficient homes and hurricane-resistant features.
Universal Property & Casualty Insurance Company - Universal Property is one of the fastest-growing insurance carriers in Florida, with over 800,000 customers. They offer a solar panel coverage option that covers your solar system for up to $15,000, with a $500 deductible. You can also increase this limit for an additional premium. Universal Property also offers discounts for energy-efficient homes and hurricane protection features.
Florida Family Insurance - Florida Family Insurance is another carrier that has shown a favorable attitude towards homeowner-owned rooftop solar. Through its policies, Florida Family provides coverage for solar panels, ensuring that homeowners can protect their solar systems from potential risks.
American Integrity Insurance - American Integrity Insurance has been recognized by FlaSEIA member contractors as an insurance carrier that supports homeowners with rooftop solar systems. They offer comprehensive coverage options that can be tailored to the specific needs of homeowners with solar installations.
Florida Peninsula Insurance - Florida Peninsula Insurance understands the value and benefits of rooftop solar and offers insurance coverage that includes protection for solar panels. With their commitment to providing coverage for renewable energy investments, homeowners can have peace of mind knowing that their solar systems are safeguarded.
Typ Tap Insurance - Typ Tap Insurance is an insurance carrier known for its favorable stance towards homeowner-owned rooftop solar systems. They provide coverage options that specifically address the needs of homeowners with solar installations, ensuring that their investments are protected.
USAA - USAA, a well-known insurance provider, has been identified by FlaSEIA member contractors as friendly towards rooftop solar. While coverage may vary based on individual policies, USAA has shown an understanding of the importance of renewable energy and can provide insurance solutions for homeowners with solar systems.
Citizens Property Insurance Corporation - Citizens Property Insurance Corporation, the state-run insurer in Florida, is among the insurance carriers that recognize the value of homeowner-owned rooftop solar. Through their policies, Citizens offers coverage for solar panels, helping homeowners mitigate potential risks associated with their renewable energy investments.
Sage Sure - Sage Sure is an insurance carrier that offers coverage for solar panels in Florida, according to their website. They claim to provide flexible and affordable options for homeowners with solar systems, as well as discounts for energy-efficient homes.
If you are looking for a reliable and professional solar installation company in Florida, look no further than Solar Energy Systems. We are a family-owned and operated business, with over 40 years of experience in the solar industry. We are licensed, insured, and certified by some of the the highest standards in the solar industry.
We offer high-quality solar panels, inverters, batteries, and other components from the best brands in the market, such as LG, Panasonic, Enphase, Tesla, and more. We also offer flexible financing options to suit your budget and preferences. And we provide free consultations, site assessments, design, installation, monitoring, maintenance, and warranty services for your solar system.
But don’t just take our word for it. Check out our testimonials and reviews from our happy customers, who have saved thousands of dollars on their electricity bills, increased the value of their homes, and reduced their environmental impact by going solar with us. You can also see some of our completed projects and awards on our website.
If you are ready to go solar, or if you have any questions or concerns about solar energy, insurance, or anything else, please don’t hesitate to contact us. We are here to help you every step of the way, from choosing the best solar system for your home, to finding the best solar-friendly insurance carrier for your peace of mind.
You can call us at (321) 253-3232 or fill out our online form below to request a free quote. We will get back to you as soon as possible, and schedule a convenient time for a free consultation.
Don’t wait any longer. Go solar today, and enjoy the benefits of clean, renewable, and affordable energy for years to come. We look forward to hearing from you soon!