Is your home energy system covered by your home insurance?
1 min read · Updated 15 October 2026
The short answer
Partly. Buildings insurance usually covers damage from events like fire or storm, but not breakdowns, wear or failed parts.
What to check
Whether each item is declared, whether it counts as buildings or contents, and the policy's exclusions for mechanical or electrical breakdown.
The gap
Heat pumps, inverters, batteries and chargers mostly fail from age and use. That's the bit home insurance usually leaves out.
Want someone else to look after it?
Annual service, monitoring and repairs, any make.