Get matched with top solar panel pros in Two Harbors, MN

While you can install solar panels by yourself, it can be a complicated process full of lots of manual labor, risky roof work, and knowledge of electrical wiring. Most solar panel installation projects should be reserved for a trained professional—especially if you plan on connecting your panels to the electrical grid rather than for off-grid use, which doesn’t require utility services.

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.

Yes, you should tell your home insurance company about your solar panels. Even if you believe they’re covered by your existing policy, installing a solar panel system is a significant change to your home. This can affect coverage and premiums. By discussing your new solar panel installation with your insurance provider, you can be sure you have enough coverage and that the policy completely covers the panels against damage.

Solar roofing shingles may qualify for significant federal tax incentives through programs like the Residential Clean Energy Credit, which offers up to 30% of installation costs through 2032. State and local governments often provide additional credits, and utility companies may offer further rebates or net metering programs, depending on the state. Just look into the qualification requirements beforehand because installation, documentation, and technical standards can impact eligibility. Consult the current guidelines and a tax professional to maximize available benefits.