Your Massachusetts Home & Solar - is it Insured?

What are the reasons to consider solar for your Massachusetts home, and, is it covered on home insurance?

Solar for Massachusetts Homes & Businesses By Revolusun.  Is solar insured on your policy?

Infographic and content courtesy of Revolusun


According to the US Department of Energy, the cost of powering your home or business has risen approximately 60% since the year 2000. With Net Energy Metering, you’ll generate savings on your electricity bill for every kilowatt-hour you produce that month.

Through Massachusetts’s Solar Renewable Energy Credit (SREC) program, your system will also generate an income subsidy – currently managed to payout an average of $220 for every 1,000 kWhs produced during a 10 year period.

Federal tax credits can pay for up to 30% of the cost of your solar system.  The State of Massachusetts also provides a $1,000 income tax credit.  Between the Income Tax Credits and the SREC subsidy, typically 70%-90% of the system is paid for in the first 10 years. With avoided cost of electricity, the break-even can be as little as 6 or 7 years. Put those incentives to work for you now, and put that money back in your pocket today. Don’t wait for tax time.

Click here to learn more about tax incentives.


Across the U.S., over 70% of all electricity is generated by fossil fuels. RevoluSun’s solar energy systems reduce reliance on fossil-fuels which create air, land, and water pollution during processing and use.
Clean, renewable solar power helps keep your community and your planet beautiful for generations to come.


According to the MassCEC, 64,000 people in Massachusetts now work in the clean energy economy, a 6.7% increase from 2010 to 2011. The 4,900 companies that employ them expect jobs growth to continue with an expected rate of 15% from 2011 to 2012.

Massachusetts residents pay some of the highest electric rates in the country. RevoluSun’s systems lock in energy savings now while contributing to the fast-growing green economy of the future.

Solar Systems and Home Insurance

As you contemplate whether solar is right for your home, you will naturally want to find out if it is insured under your home insurance policy.  As an independent insurance agent, we represent many different Massachusetts Home Insurance companies.  We have polled them and determined that coverage is dependent on various factors such as: 

1) whether the panels are owned or leased    
2) whether they are attached to your house or not
3) your home insurance company's guidelines

If they are owned, a Massachusetts homeowners policy will cover them subject to covered perils and deductible, just like any other part of your home.  How they are covered varies by insurance company and depends on where the panels are installed.

If they are leased, coverage varies by insurance company and in most cases depends on how the leasing contract reads.   Please contact us for more details.

Do I need to increase the amount my home is insured for?

You are adding value to your home.  This is a great time to have us review your coverage to make sure you have enough insurance.  In all cases, you should contact us at Elliot Whittier Insurance to let us know you are having solar installed so we can review your specific situation.

Contact Us for More Information


Send us a message by clicking above, or, call us today at 617-846-5000 to find out more about your solar energy and insurance for your home or business.

Click here if you would like to learn more about solar energy for your Massachusetts Home or Business from our friends at Revolusun.

With offices in Danvers & Winthrop Massachusetts, Elliot Whittier Insurance Services, LLC has been awarded The Five Star Award of Distinction from the Massachusetts Association of Insurance Agents.  Elliot Whittier Insurance is also a Trusted Choice® agency and represents multiple insurance companies, so it offers you a variety of personal and business coverage choices and can customize an insurance plan to meet your specialized needs.  You can visit Elliot Whittier online at, email,  or call 800-696-3947




What to do Next?

Have us review your insurance policies and check that your limits are sufficient. Ask what the cost is to bump it up under higher limit scenarios.

Call today 617-846-5000 or click here 24/7/365 and we will get back to you same day or the next business day