The sun shines as in the middle of summer this Friday, September 19, and you regain your neighbor’s photovoltaic panels with a bit of envy. It must be said that the installation of solar panels saves up to 1,400 euros per year In electricity, according to Effy, specializing in energy efficiency. If you in turn succumb to the temptation of photovoltaic panels, which arouse a strong enthusiasm in France, with a number of facilities much higher than the objectives of the public authorities, do not forget to declare them to your home insurance.
Wouldn’t you have thought about it? You are not an isolated case: “There are people who are careful to be covered against all risks but others who think of it only once the claim has arrived!”testifies to Capital Julien Durand, host of the IARD network (fire, accidents and various risks) of the broker we ensure.
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An additional cost of 2.50 euros per month
However, the installation of solar panels is not without risk for a house. “The number one risk is the firebecause the panels heat up, like the batteries of cars and electric scooters »explains Julien Durand. If a fire declares itself in your home, that the survey shows that solar panels are responsible for it and that you have not declared them to your home insurance, “This will not compensate you”he warns. Ditto in case ofwater infiltrations In a damaged roof by installing solar panels, or if they have the electrical installation of the house disabled.
How much does the declaration of a photovoltaic panels install you to increase your home insurance premium? “Of 2.50 euros per monthon average “estimates Julien Durand. An increase a priori bearable, despite the new increase, of 5% on average, of the home insurance prices provided for by the company Facts & Figures for 2026.
Installation of solar panels by pros
For this sum of 2.50 euros per month, on average, you will not only be insured against the risk of fire and water damage caused by solar panels, but also against those linked to the multiplication ofclimatic events Intense, such as strong winds likely to tear off the roof panels and hail episodes capable of damaging them. Knowing that “The installation of photovoltaic panels costs an average of 10,000 euros”according to Julien Durand, out of the question to replace them every four mornings …
Last thing, don’t have them installed by anyone under the pretext of saving money: “Insurers require solar panels to be placed by certified professionalswho can make their own civil liability insurance play if the disaster is linked to the pose ”warns the expert.
