Solar energy and lithium-ion batteries offer homeowners a practical way to manage electricity supply and maintain backup power. However, these systems can introduce fire risks that homeowners should consider when reviewing their Personal Insurance.
Lithium-ion batteries can experience a process known as thermal runaway, a rapid, uncontrolled reaction that generates intense heat, flammable gases and toxic smoke. These fires can spread quickly, causing extensive damage to your home’s structure and household contents, and may reignite after appearing to be extinguished.
What Is Thermal Runaway in Lithium-Ion Batteries?
Thermal runaway occurs when a battery failure triggers an uncontrolled rise in temperature. The resulting heat, fire and smoke can cause significant property damage, making appropriate installation, maintenance and risk prevention essential for homeowners.
How to Reduce Solar Battery Fire Risk at Home
Simple precautions can help reduce the risk of battery-related incidents:
- Use qualified installers: Ensure your solar battery system is installed professionally in an approved, well-ventilated location.
- Keep batteries away from hazards: Position batteries away from combustible materials, excessive heat and escape routes.
- Use approved equipment: Follow manufacturer guidelines and use compatible charging equipment.
- Inspect your system: Arrange appropriate maintenance and address electrical faults promptly.
- Act on warning signs: Do not continue using batteries that are damaged, swollen or overheating. Prioritise safety and seek professional assistance.
Does Home Insurance Cover Solar Batteries?
Installing solar batteries may affect your home’s insurance requirements. Buildings insurance and household contents cover may respond to different types of loss, depending on your policy, the insured property and the applicable terms and conditions. Cover for solar panels, batteries and related fire damage should therefore be confirmed with your broker rather than assumed.
At GO Insure, we encourage homeowners to disclose solar installations and relevant changes to their property’s electrical systems. Reviewing your Personal Insurance can help establish whether your existing cover remains suitable, whether additional requirements apply and how your solar equipment is treated under your policy.
Review Your Cover with GO Insure
Solar technology can be a valuable addition to your home when installed and maintained responsibly. Taking preventative measures and reviewing your home insurance can help you better understand your cover and manage potential risks to your property and belongings.
Contact GO Insure to review your Personal Insurance and discuss your solar battery installation. Our team can help you understand your cover and the relevant policy conditions.
