Insurance for photovoltaic installations: which one do you need?

  • Photovoltaic: a short Overview
  • all about him insurance coverage
  • conclusion

who environmentally friendly solar energy wants to produce and wants to be less dependent on electricity prices, it can be done with a photovoltaic system. Before mounting the system on your roof, a few things should be considered such as calculating profitability and the size of the modules. It is also important that you consider whether make insurance want.

Brief description of photovoltaic energy

According to the Federal Statistical Office, in March 2022 they were in Germany 2.2 million photovoltaic systems Installed. These had a total power rating of 58,400 megawatts. In addition, the Federal Statistical Office notes that the injection of electricity from photovoltaics in the 1st quarter of 2022 compared to the 1st quarter of 2021 up to 34.7% has increased. It is clear: solar energy is becoming more and more popular.

If you are toying with the idea of ​​having a photovoltaic system installed on your premises, the advance planning important. A first step is usually to have a rough guide for that. economic Sciences to calculate the system. You can easily do it online using a PV calculator. Values ​​such as investment costs, electrical performance and yield are taken into account.

On the one hand, photovoltaic systems are a worthwhile investment if you use as much self-generated electricity as possible. he himself uses. The electricity you don’t use can be fed into the grid. An alternative variant, which will also be attractive with EEG 2023, is a system with full feeding to build. If you put a photovoltaic system into operation now, you will already receive a higher feed-in rate per kilowatt hour than before. The remuneration increases if you decide to inject all your electricity into the network. You have money requested from the state development bank KfW for the photovoltaic system, you must wait before signing a contract until it has been approved.

Protection insurance for photovoltaic energy: does it make sense or not?

First of all it is important to know what it is in no way mandatory is to take out insurance for your own photovoltaic installation. For various reasons, it may still make sense to purchase insurance. The best they can do is ask themselves directly when building the system homeowners insurer find out how much it would cost to insure the system and what the insurance includes. In principle, a photovoltaic installation must be insured with the insurer of the residential building be specific, since the system increases the value of the home and the sum insured is determined by the latter. The smallest photovoltaic systems with a power of 600 watts are usually already on the market. Home insurance contain. also in some personal liability insurance smaller systems are already insured. It is worth checking with your insurance company.

If you plan to build a larger, more expensive facility, one is special photovoltaic insurance sensible. Due to the rise of photovoltaics, there are now several insurers that have reacted and offer special insurance for systems. You can find relevant insurance policies, for example, on the website of the comparison calculator find For a new system with a value of 20,000 euros and a power of 20 kilowatt hours, the annual contributions are around 50 to 250 euros.

Such insurance makes sense because, for example, storms, hail, lightning or fire could damage the system. In addition, if the photovoltaic system is paralyzed, you will not have any income, which you can also cover with insurance. Separate insurance for loss of earnings there are none. The only option is to contract the risk within the photovoltaic insurance. Furthermore, a call supplemental coverage for photovoltaic systems that prevent possible damage to electronics caused by animal bites or malfunctions. If the system is insured against damage of all kinds, one also speaks of a All risk insurance.


In short, it is important in the field of insurance always the individual case consider. In the case of smaller systems, for example, they may already be covered by household insurance or liability insurance. For larger systems, it is worth inquiring about special photovoltaic insurance. It is important that you consider what exactly should be included in this and ask the insurance company if you are not sure.

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