Solar panel insurance in Northern Ireland typically adds £50-150 to annual home insurance premiums, though coverage varies significantly between providers with some offering comprehensive protection while others exclude crucial risks. Understanding policy terms, claim procedures, and coverage gaps ensures adequate protection for investments averaging £6,500-8,500 while avoiding disputes when damage occurs.
Standard Home Insurance Coverage
Most Northern Ireland home insurance policies automatically cover solar panels as permanent fixtures, though coverage limits and exclusions require careful review. Standard policies typically protect against storm damage, fire, theft, and vandalism, with panels considered part of building structure rather than contents requiring specific sum insured adjustments.