Reddit’s Top 5 Questions About Solar Insure – Answered by a Solar Industry Expert

If you’ve ever searched for Solar Insure or even solar in general, you’ve likely come across answers on Reddit. Reddit can be an incredible forum and a place for solar homeowners, prospective solar homeowners, and solar professionals to ask questions, share opinions, and exchange experiences. 

However, as often happens on the internet, Reddit forums can also be a place where incorrect information spreads easily. With that in mind, we gathered some of the most frequently asked questions about Solar Insure from Reddit, specifically r/solar, and are answering them here with clear explanations. 

Has Anyone Actually used Solar Insure? / Anyone have Experience with Solar Insure?

This is one of the most common questions we hear: Has anyone actually used Solar Insure coverage?

The answer is simple — yes, every day. Since 2006, Solar Insure has protected thousands of solar energy systems across the United States. With that many systems under protection, we receive claims submitted to us regularly. But here’s the part that can be a little confusing: many homeowners don’t even realize they’re using Solar Insure’s coverage.

Here’s why:

• If your original installer is still in business, you work with them directly when service is needed. They file the claim with Solar Insure, and we cover their labor costs so they don’t have to charge you. From your perspective, it feels like “normal” service — but your SI-30 warranty is quietly saving you from out-of-pocket repair bills.
  
• If your installer is no longer around, that’s when you’ll work directly with us. In those cases, our team steps in to coordinate service with manufacturers or one of our Service Providers. We handle the process so you still get covered repairs without the hassle of navigating claims yourself.
  

The bottom line: Homeowners are using Solar Insure coverage all the time — whether they see it or not. In most cases, the protection works in the background, ensuring you don’t get stuck with surprise repair bills. And when you do need us directly, we’re here with a nationwide network of trusted providers to keep your system up and running.

Is Solar Insure Insurance?

This is another common question we hear: With a name like Solar Insure, does that mean it’s an insurance policy?

The answer is no — Solar Insure is not insurance. Our SI-30 products offer limited warranties specifically designed for solar energy and storage systems, covering both equipment and labor for a period of 30 years.

Here’s how it works:

• What Solar Insure covers
  • Internal issues like equipment failures and the labor required to fix them
  • Long-term, 30-year protection that ensures homeowners aren’t left with repair bills
    
• What homeowner’s insurance covers (always consult your specific policy and/or insurance broker for coverage details)
  • External threats such as storms, floods, fires, or other unexpected disasters
  • Coverage that protects the home and solar system from outside forces

Why you need both:
Think of it this way, insurance shields your solar system from the outside world, while SI-30 protects it from within. Together, they create a complete safety net:

• Insurance handles weather events and external damage.
• Solar Insure Steps in when your solar equipment fails
• Combined, you’re covered from nearly every angle.
  

The bottom line: Our warranty doesn’t replace homeowners’ insurance; it complements it. With both in place, you can feel confident knowing your solar investment is protected no matter what comes its way.

Why Do I Need Solar Insure if I Have a Manufacturer and Workmanship Warranty?

This question comes up a lot — not just on Reddit, but also from homeowners comparing solar quotes. The importance of Solar Insure coverage rests on a simple truth: not all warranties are created equal.

Here’s the breakdown:

• Manufacturer warranties
  • Cover only the specific component they’re tied to
  • Replace the part if it fails due to a mechanical or electrical issue
  • Rarely include labor costs for replacement
  • Do not cover external threats like theft, storms, or fires
    
• Workmanship warranties
  • Provided by the installer, covering the work performed on-site
  • Protect against issues like property damage from installation, improperly installed equipment, or installer-caused damage
  • Rarely cover labor for swapping out failed components — unless the failure was caused by improper installation or installer error
    
• Solar Insure warranties
  • Cover solar components for 30 years, even after the manufacturer’s warranty expires
  • Include labor costs for installers to replace faulty equipment
  • Provide long-term protection that bridges the gaps left by manufacturer and workmanship warranties
    

The bottom line: Each type of warranty plays an important role in consumer protection. But only SI-30 warranties deliver both equipment and labor coverage for 30 years, so homeowners have confidence their system is protected well beyond the basics.

What Manufacturers and Installers does Solar Insure Work With?

One of the most important aspects of our warranty program is that we are highly selective about the manufacturers and installers we work with. Because our warranties are designed to last 30 years, we only work with companies that demonstrate quality, reliability, and a long-term focus. The solar industry has a history of “fly-by-night” companies that disappear quickly, and our goal is to protect homeowners by working only with providers who are here for the long haul.

Here’s how we do it:

• Approved Vendor List (AVL)
  
  • All equipment must come from manufacturers on our AVL
  • We use a rigorous evaluation and vetting process before a manufacturer is approved
  • This ensures our warranties are only paired with reliable, high-quality components
    
• Certified Provider vetting
  
  • Installers must go through a similar vetting process before they can offer SI-30 warranties
  • By carefully selecting Certified Providers, we reduce the risk of installation-related issues
  • This process helps ensure long-term performance and system reliability for homeowners
    

The bottom line: Our selectivity isn’t about limiting options — it’s about protecting homeowners. By holding both manufacturers and installers to a higher standard, we help safeguard solar investments for decades to come.

You can read more about our vetting process and warranty pillars here: https://www.solarinsure.com/foundation-of-our-30-year-solar-warranty

How Does Solar Insure Help If My Manufacturer Goes Out of Business?

One of the most valuable parts of our coverage is that all SI-30 warranties are backed by an AM Best A+ rated insurer for Manufacturer Default Protection. This ensures long-term security for homeowners, even if the original equipment manufacturer goes out of business.

Here’s how it works:

• Backed by strength
  • Every SI-30 warranty includes Manufacturer Default Protection
  • Our manufacturer default coverage is backed by Zurich North America, an AM Best A+ rated insurer, giving homeowners confidence that claims will be honored
    
• If a manufacturer goes out of business
  
  • We have processes in place to acquire replacement equipment, even when the original company no longer exists
  • If the exact part cannot be sourced, we’ll provide a new component that is compatible with the existing system
  • This ensures the system stays operational and protected without leaving homeowners stranded

The bottom line: With Manufacturer Default Protection, Solar Insure ensures that even if manufacturers disappear, homeowners won’t be left without support. Their solar investment remains protected, and their system continues to operate for decades to come.

The Solar Insure Difference

We’re committed to elevating the solar industry, and one of the best ways we can do that is by being transparent about the questions homeowners ask most often.

Here’s what that means for you:

• Commitment to transparency
  • We make every effort to be open and honest about all things solar
  • This includes clear communication about our products and services
    
• Access to information
  • Copies of our terms and conditions are published directly on our website
  • Homeowners can review these documents anytime for clarity and peace of mind
    

The bottom line: The Solar Insure difference goes beyond warranty coverage; to us, it’s about building confidence. By leading with transparency, addressing real questions from solar installers and homeowners, and making information accessible, we empower homeowners to make informed decisions and trust that their solar investment is protected for the long term.

Readers can find copies of our terms and conditions published on our website. 

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