Garden State Solar Insurance

 Know what’s covered, what’s not, and how to file a claim without hassles What New Jersey Homeowners Need to Know About Solar Panel Insurance Coverage For New Jersey residents investing in solar energy, understanding insurance coverage is just as important as selecting the right panels. Most standard homeowners insurance policies in NJ automatically cover roof-mounted solar systems under the dwelling protection portion of your policy, treating them as permanent attachments to your home. However, this coverage typically applies only to owned systems – leased panels may be covered under the solar company's policy instead. Ground-mounted systems often require additional coverage through a policy endorsement. The protection generally includes damage from common perils like fire, windstorms, and falling objects, but excludes certain events like flooding unless specifically added. One critical aspect many Princeton and Cherry Hill homeowners overlook is whether their coverage amount refl...