Insuring Your Home Battery: Warranty and Building Insurance

Why insurance and warranty matter

A home battery is an investment of €1,500 to €10,000+. With that amount, you want to be certain you are protected against defects, damage, and unforeseen problems. Protection comes from two sources: the manufacturer's warranty from the brand and your building or contents insurance.

In this article, we explain exactly what each type of cover entails, what the pitfalls are, and how to ensure you are not caught off guard when making a claim.

What does the manufacturer's warranty cover?

All home batteries sold by Home Energy Solutions come with a manufacturer's warranty of 10 to 15 years. The warranty covers manufacturing defects and capacity loss that occurs faster than the guaranteed minimum (typically 60–70% after 10 years).

What is covered by the manufacturer's warranty:

• Manufacturing defects: faulty cells, failing electronics, software bugs
• Capacity loss: if capacity drops faster than the warranty threshold (e.g. less than 60% after 10 years)
• Components: defective inverters, BMS (Battery Management System) failures
• Software: firmware bugs that affect operation

What is not covered by the manufacturer's warranty:

• Physical damage from accidents (dropping, impact)
• Water damage for models that are not waterproof (non-IP65)
• Damage from incorrect installation (e.g. wrong wiring)
• Normal wear and tear: gradual capacity decline within the warranty specification

Warranty terms by brand

Warranty terms differ by brand. Below is an overview of the brands we sell at HES:

Please note: most manufacturer's warranties require the battery to be installed by a certified installer (for hardwired systems). Self-installation for plug & play models is generally not an issue. Always keep your proof of purchase and installation documentation.

What does your building insurance cover?

Your building insurance covers damage to fixed parts of your home, including permanently installed equipment. A home battery that is hardwired to your consumer unit typically falls under this cover. The coverage includes:

• Fire damage to the battery or caused by the battery
• Storm damage (e.g. a tree falling on an outdoor unit)
• Water damage (leaks, flooding)
• Theft (especially relevant for outdoor installations)

Contents insurance: when does it apply?

With a plug & play home battery (not hardwired), contents insurance may apply instead of building insurance. Plug & play systems are considered movable property, similar to a washing machine or television.

Check your policy or contact your insurer to confirm that your plug & play home battery is covered. Most insurers cover it without an additional premium, but they do want to be informed.

Tips for a successful warranty or insurance claim

To ensure a claim goes as smoothly as possible, we recommend the following:

• Keep all documentation: purchase invoice, installation documentation, warranty certificate, firmware log
• Register the battery with your insurer: do this immediately after installation, not when you need to make a claim
• Take photographs: document the installation and the condition of the battery at the time of fitting
• Keep firmware up to date: some warranties require you to run the latest firmware version

What is not covered?

Both manufacturer's warranty and insurance have exclusions. These are the most common reasons why claims are rejected:

By installing your home battery correctly, documenting everything properly, and informing your insurer, you minimise the risk of problems when making a claim.

Conclusion: protect your investment properly

A home battery is a long-term investment that needs proper protection. The manufacturer's warranty of 10–15 years covers manufacturing defects and excessive capacity loss. Your building insurance protects against external damage such as fire, storm, and water damage. With the right documentation and proactive notification to your insurer, you are optimally protected.

At Home Energy Solutions, we help you not only with the purchase, but also with the administrative side. We provide installation documentation, warranty certificates, and support with claims. Get in touch for advice.