Homeowners replace their solar panels after 25 years. That said, you don’t necessarily need to replace them at the 25-year mark. You’ll notice a declining ability to produce electricity over time. Most homeowners spring for a replacement when they notice their energy bills creeping up to regular levels or when solar panel repairs are extensive, frequent, and no longer economical.

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.

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.

Solar panels can pay for themselves in five to 15 years, depending on the cost of your system, how much energy it generates, whether you qualify for incentives or power buybacks, and the price of energy in your area. Solar panels pay for themselves over time as they lower electricity bills, so it will take time to recoup your initial investment. However, the longer you have your system, the more money you can save and earn.