Garden State Solar Insurance

Find out if your policy includes solar panels and how to claim damages effectively Understanding Solar Panel Coverage Under New Jersey Homeowners Insurance For New Jersey homeowners who have invested in solar energy, a critical question often arises: does standard homeowners insurance cover solar panels? The answer is generally yes, but with important qualifications. Most NJ homeowners policies automatically extend dwelling coverage to roof-mounted solar panels, treating them as a permanent part of your home's structure. However, this coverage typically applies only to panels owned outright by the homeowner, not leased systems. Ground-mounted solar arrays often require additional coverage through a policy endorsement. The protection usually extends to damage caused by covered perils such as fire, windstorms, hail, or falling objects, but may exclude certain events like flooding unless specifically added. It's worth noting that while the panels themselves are usually covered, so...