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Insurance companies aren’t against solar panels, but they may have concerns about the risks and costs of insuring solar. The type of policy, where you live, and the insurance company itself matter. Extreme weather can damage solar panels, and faulty installation or electrical malfunctions pose a fire risk—this, in turn, can increase insurance company liability and payouts. However, you’re likely to keep coverage as long as you have a pro install the solar system, keep it maintained, can pass a solar panel inspection, and update your homeowners policy to include solar.

Solar panels have a life span between 10 and 40 years, depending on the type of panel. For example, monocrystalline panels can last up to 40 years, while thin-film ones only last between 10 and 20 years. The longevity also comes down to keeping up with solar panel repairs and their related costs .

You shouldn’t hook up a solar panel directly to a battery. That can damage the solar battery and your appliances over time. Instead, install a charge controller between your solar panel and solar battery. Charge controllers regulate voltage, prevent overcharging, and minimize the amount of electrical current to protect your battery from voltage spikes.

The best solar panels to withstand hail are those rated UL 61730. These solar panels are certified to withstand hailstones up to 3 inches in diameter and travel at speeds up to 88 mph. IP68 solar panels are the next most resilient solar panel. Solar panels without these ratings can handle hail up to 1 inch in diameter that travels up to 50 miles per hour. If you live in an area with frequent or severe hailstorms, purchasing UL 61730 solar panels is often worth the investment.