Get liability coverage for your Florida solar installation
Florida utilities can require homeowners with Tier 2 solar systems (over 10 kW up to 100 kW) to carry up to $1 million in general liability coverage before connecting to the grid. SolarShield gets 1–4 family homeowners that coverage on its own policy, with $5,000 medical payments, alongside the homeowners insurance they already have.
Which Florida solar rules apply to you?
Two Florida rules every solar homeowner should know.
Florida Solar Rights ActFlorida Statutes s. 163.04
Florida law limits ordinances, deed restrictions and HOA covenants that would prohibit solar collectors on your home. An HOA may still set reasonable rules on where panels go, as long as they don't stop the system from working.
Tier 2 liability coverageFlorida PSC Rule 25-6.065
Customer-owned systems over 10 kW and up to 100 kW are Tier 2. Your utility can require proof of general liability coverage, up to $1 million, as part of your interconnection agreement.
What does Solar Shield coverage include?
$1M liability limit
Built for the liability amount Florida utilities can ask Tier 2 customers to carry.
Works with your home policy
A standalone solar liability policy. Your homeowners insurance stays as it is.
$5,000 medical payments
Medical payments coverage is included for injuries tied to your covered system.
Why choose Solar Shield?
- One licensed Florida agency. Your request goes to Nymble Insurance, not a lead marketplace.
- Proof your utility accepts. We help you get the certificate or declarations page your interconnection agreement asks for.
- Have your installer's paperwork ready. A copy of your installer's license and their certificate of insurance can help your quote.
- 1–4 family homes. Owner-occupied or rented out, single-family through fourplex.
Tier 2 solar liability questions, answered
What is the Tier 2 solar liability requirement in Florida?
Under Florida PSC Rule 25-6.065, customer-owned renewable systems over 10 kW and up to 100 kW are Tier 2. A utility may require Tier 2 customers to carry general liability insurance for personal injury and property damage, up to $1 million, as part of the interconnection agreement.
How do I know if my solar system is Tier 2?
Check the system size on your installer contract or interconnection application. A customer-owned system rated above 10 kW and up to 100 kW is Tier 2. Systems of 10 kW or less are Tier 1, and Tier 1 customers generally can't be required to carry this coverage.
Who is SolarShield coverage for?
Florida homeowners of 1–4 family dwellings with grid-tied solar, especially Tier 2 systems whose utility requires liability coverage for interconnection. Owner-occupied and tenant-occupied homes can both be quoted.
What does the solar liability policy include?
A $1 million liability limit and $5,000 in medical payments coverage for your covered solar system, subject to policy terms, conditions and underwriting approval.
Does it replace my homeowners insurance?
No. It's a separate, standalone solar liability policy that works alongside your homeowners policy. Your homeowners insurance stays as it is.
Why not just raise the liability on my homeowners policy?
Some homeowners policies don't offer enough liability, or the utility wants proof that matches its interconnection agreement. A standalone policy built for solar liability gives you a document focused on what the utility asks for.
Ready to connect your system?
Tell us about your home and your system. A licensed Florida agent will follow up with your options.