Home Insurance Customer Service

There is no difference between home insurance and property insurance. Both terms mean the same thing, but insurers sometimes use them interchangeably, which can cause confusion.

Homeowners insurance covers damage to everything that is permanently attached to your home, such as walls, ceilings, plumbing, the roof, and the built-in kitchen. This insurance therefore protects you against damage to the permanent fixtures of your home.

A thatched roof gives your home a distinctive look, but it also carries more risks than a tile roof, such as a higher risk of fireorstorm damage. If a fire breaks out and part of your home is destroyed, the repair or reconstruction costs can be quite high. Fortunately, with good home insurance, you can easily cover these risks and protect your home effectively.

There are two ways to insure solar panels, depending on how they are mounted.

1. Solar panels permanently mounted on the roof
Are the solar panels attached to the roof—for example, screwed or anchored in place? If so, they are considered a permanent part of your home and are covered by your home insurance.

2. Freestanding solar panels (e.g., on a flat roof)
If the panels are not permanently attached but are simply placed on a flat roof, they are not considered part of the home. In that case, they are covered under your personal property insurance. Please note: different conditions may apply because the panels are located outside the home. Always check the policy terms and conditions provided by your insurer.