Solar panels, batteries and home chargers: what does house insurance cover?

STEP BY STEP

How to check your cover

1. 01

   Find out whether the system is included and whether to tell the insurer

   The Swedish National Electrical Safety Board suggests checking with your insurer what applies before installing solar panels, and sending written advance notice to the grid company before work starts. One insurer says its house insurance covers a privately used solar system on the roof, on the plot or on another building, and that you do not need to tell the insurer you have installed it.

   Still, read what your own terms say about changed circumstances. In the same insurer's terms from December 2025, you must report it if the details in the policy document change or are wrong. If you rent or lease the system, ask who owns it and whose insurance covers it.

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2. 02

   Read which damage is covered

   Go through the damage events one at a time. In the insurer's terms, lightning strikes come under fire, and a storm means wind of at least 21 metres per second. Hail or storm damage is covered there when the building is blown or broken apart. The insurer's website says you can be compensated for damage to the solar system caused by fire, storm, hail, snow load and installation damage.

   Electrical damage and theft are in other sections. The same terms cover damage to an electrical machine or appliance from a short circuit, flashover or power surge, and theft of permanently fitted building fixtures. Superficial damage that does not affect function is not covered. Also check whether your level includes all-risk cover: the insurer says the panels are covered by such cover up to 200 000 kr in its larger levels.

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3. 03

   Check age deductions, the battery and the charger

   The Konsumenternas comparison of house insurance shows how long a solar system is insured: once it is fully depreciated under the insurer's age table, you receive nothing if it is damaged. In the October 2026 comparison this happens after between 17 and 29 years, with deductions starting after 5 or 10 years. How deductions work is explained in the guide to deductibles and age deductions.

   The battery often has its own rules. In the insurer's terms, batteries for storing renewable energy are covered up to 200 000 kr, and both the battery and the charger have two years without age deduction and then 10 percent per started year. There, charging posts for electric cars count as part of the plot, and the plot is not covered for every event, storm for example. What car insurance says about charging is in the guide to electric car insurance.

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4. 04

   Check the installation and the paperwork

   According to the Swedish National Electrical Safety Board, a solar system must be installed by an electrical installation company registered with the agency, and you can check the registration. The finished work must be inspected before the system is put into use, and the agency asks you to request that the inspection is documented. If the work was done illegally, you as owner can face problems, for example with an insurance claim.

   The insurer says battery storage must be installed by an authorised installer, and that the payment can be reduced if the installation is faulty. The industry rules for safe solar installations were developed by the Swedish installers' trade association together with Insurance Sweden, and since June 2026 they also cover battery storage. In the same press release, an insurer says it has started requiring installations to follow these rules.

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