{"type":"document","data":{"id":"d47d9975-9068-4d52-ade4-b49916c1ddc0","localeString":"en-GB","publishDate":"2026-04-17T15:34:58.530+02:00","contentType":"onecms:editorialPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Are solar panels covered by fire insurance? ING answers all your questions."},"mainHeaderZone":{"componentType":"editorialHeader","coreHeader":{"title":"Solar panels and fire insurance: this is the impact on your premium","subtitle":"The energy crisis has prompted you to seriously consider installing solar panels.","body":"Perhaps you've already taken the plunge, and installation is just around the corner... But what if something were to go wrong? Does your fire insurance also cover your solar panels? And do solar panels affect your premium? You can find out here."},"backLink":{"textLink":{"url":"/en/individuals/insurance/insure-my-home","text":"Home Insurance"}},"date":"2026-01-26","readingTime":0},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Your home insurance and solar panels"},{"componentType":"productFeatures","image":{"transformBaseUrl":"https://assets.ing.com/transform/11f004c7-c23c-4da4-988a-acd5860aede7/Fire-insurance-illustration","type":"image","width":150,"original":"https://assets.ing.com/m/76b79bc225371480/original/Fire-insurance-illustration.jpg","extension":"jpg"},"highlighted":false,"items":[{"body":"As long as it’s installed by a professional, your solar panel system is automatically covered when the building coverage has been subscribed. No need for separate solar panel insurance and no need to contact us.","title":"Automatic"},{"body":"With ING, the payments for your insurance premium will not increase due to the installation of solar panels or photovoltaic panels.","title":"No extra premium, no surprises"},{"body":"At ING, we don’t apply a depreciation index to the insured amount in case of damage to your solar panels: you will be compensated at their replacement value!","title":"Reimbursement as new"}]},{"componentType":"sectionTitle","title":"Frequently asked questions about solar panels"},{"componentType":"accordion","accordionList":[{"title":"What is the difference between a solar panel and a photovoltaic panel?","richBody":{"value":"<p><span><span><span><span><span>A photovoltaic panel produces electricity, whereas a thermal solar panel produces heat.</span></span></span></span></span></p>"}},{"title":"What is the most common type of damage to solar panels?","richBody":{"value":"<p><span><span><span>In Belgium, hail and storms are responsible for most of the damage caused to solar or photovoltaic panels</span></span></span></p>"}},{"title":"Should I repair a solar panel that is only slightly damaged?","richBody":{"value":"<p><span><span><span><span><span>It can be tempting not to carry out repairs on a small crack. That said, if you don&apos;t, you could end up with a drop in energy production. Get in touch with your installer, who will work with you to identify the best course of action.</span></span></span></span></span></p>"}}]},{"componentType":"sectionTitle","title":"Interested in our fire insurance?"},{"componentType":"paragraph","richBody":{"value":"<ul><li><span><span><span>Discover all necessary information and conditions on the pages of <a data-type=\"internal\" href=\"/en/individuals/insurance/insure-my-home/home-insurance-owners\"><strong>Home insurance for owners</strong></a> and <a data-type=\"internal\" href=\"/en/individuals/insurance/insure-my-home/home-insurance-tenants\"><strong>Home insurance for tenants</strong></a>.</span></span></span></li><li><span><span><span>You can find more information on our fire insurance by consulting the <a href=\"https://assets.ing.com/m/b4144d7fd5bd31b0/original/general-terms-and-conditions-Property-Family-Insurance-EN.pdf\">General conditions of fire insurance.</a> </span></span></span></li></ul>"}},{"componentType":"cta","textLink":{"url":"/en/individuals/insurance/insure-my-home","text":"Discover our fire insurance"}},{"componentType":"highlight","title":"Did you know?","richBody":{"value":"<p><span><span><span><span>Solar panels are also covered by your </span><a data-type=\"internal\" href=\"/en/individuals/insurance/insure-my-home\">fire insurance</a><span>, provided they are installed according to the manufacturer&apos;s instructions.</span></span></span></span></p>"}}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting!"},{"componentType":"cards","cards":[{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"The difference between home insurance and family insurance","body":"Home insurance and family insurance are not mutually exclusive. Therefore, we explain the difference between these two types of insurance in more detail.","image":{"transformBaseUrl":"https://assets.ing.com/transform/215ef5b6-0a25-43cc-b1d5-e2f619caf7cb/home-insurance-for-owner-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/2a1525b4553de3a3/original/home-insurance-for-owner-1920.jpg","extension":"jpg"},"date":"2023-07-27","link":{"url":"/en/individuals/insurance/insure-my-home/home-insurance-vs-family-insurance-difference"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Home insurance and storm damage","body":"Insure your home against storm or hail damage with ING's home insurance.","image":{"transformBaseUrl":"https://assets.ing.com/transform/a823b51a-a8d0-4fec-b3bb-9788016e406a/A-woman-laughs-because-the-wind-blows-her-umbrella-over-at-the-harbor","type":"image","width":1920,"original":"https://assets.ing.com/m/1b2030a12b102599/original/A-woman-laughs-because-the-wind-blows-her-umbrella-over-at-the-harbor.jpg","extension":"jpg"},"date":"2023-02-03","link":{"url":"/en/individuals/insurance/insure-my-home/home-insurance-storm-damage"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Home Insurance and water","body":"Water damage due to a leakage or flooding? Your home insurance is ready to help. Find out how here.","image":{"transformBaseUrl":"https://assets.ing.com/transform/16f40536-fbfb-4280-bc2f-2bdd716ce49a/water-damage-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/31fac4697a0acb68/original/water-damage-1920.jpg","extension":"jpg"},"date":"2023-07-27","link":{"url":"/en/individuals/insurance/insure-my-home/home-insurance-water-damage"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"What is a deductible in home insurance?","body":"Find out what a deductible or excess means for your home insurance, when you have to pay it and how much the cost can be.","image":{"transformBaseUrl":"https://assets.ing.com/transform/a3e03f56-f902-4972-a3aa-118770e5d8f2/Young-female-neighbors-talking-from-apartment-windows-during-covid-19-isolation","type":"image","width":6019,"altTextEN":"\"","altTextNL":"\"","altTextFR":"\"","altTextDE":"\"","original":"https://assets.ing.com/m/522889674772ad0b/original/Young-female-neighbors-talking-from-apartment-windows-during-covid-19-isolation.jpg","extension":"jpg"},"date":"2023-07-24","link":{"url":"/en/individuals/insurance/insure-my-home/home-insurance-excess"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Renovating your house ecologically","body":"Would you like to help the environment and your wallet at the same time? Find out how.","image":{"transformBaseUrl":"https://assets.ing.com/transform/edf136b7-aef8-4537-a162-0d693c761b47/ecological-renovation-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/4a799e95fea19d92/original/ecological-renovation-1920.jpg","extension":"jpg"},"date":"2024-03-27","link":{"url":"/en/individuals/my-life/housing/ecological-renovation-steps"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Renovation loan","intro":"Installment loan to finance your house or apartment renovations.","image":{"transformBaseUrl":"https://assets.ing.com/transform/3955c2fa-36ae-4799-a7a2-00c51325793f/diy_renovation","type":"image","width":814,"original":"https://assets.ing.com/m/2299e5f3d09767a6/original/diy_renovation.jpg","extension":"jpg"},"link":{"url":"/en/individuals/borrowing/renovation-loan"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Energy loan for renovations","intro":"Reduced-rate installment loan when at least 75% of your renovation are aimed at saving energy.","image":{"transformBaseUrl":"https://assets.ing.com/transform/a8e158f4-4dcd-48b3-8e6d-964f0c4c0f66/A-smiling-young-woman-stands-on-a-ladder-beneath-the-doorframe-holding-out-blue-cables-to-the-camera","type":"image","width":8268,"original":"https://assets.ing.com/m/6cae176aa2d05bb0/original/A-smiling-young-woman-stands-on-a-ladder-beneath-the-doorframe-holding-out-blue-cables-to-the-camera.jpg","extension":"jpg"},"link":{"url":"/en/individuals/borrowing/energy-loan-renovation"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Want to make a property project a reality?","intro":"Financing projects","image":{"transformBaseUrl":"https://assets.ing.com/transform/de14ae88-c03f-4bf6-b155-2909c2df7c90/project-financing-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/4f95ba50187afa3b/original/project-financing-1920.jpg","extension":"jpg"},"link":{"url":"/en/individuals/investing/project-financing"}}]}]}}}