Insuring Your Batería doméstica: Garantía and Building Seguro

Why seguro and garantía matter

A batería doméstica 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 garantía from the brand and your building or contents seguro.

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 garantía cover?

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

What is covered by the manufacturer's garantía:

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

What is not covered by the manufacturer's garantía:

• 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 garantía specification

Garantía terms by brand

Garantía 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 instalador certificado (for instalación fija 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 seguro cover?

Your building seguro covers damage to fixed parts of your home, including permanently installed equipment. A batería doméstica that is instalación fija to your cuadro eléctrico 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 seguro: when does it apply?

With a plug & play batería doméstica (not instalación fija), contents seguro may apply instead of building seguro. 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 batería doméstica is covered. Most insurers cover it without an additional premium, but they do want to be informed.

Tips for a successful garantía or seguro claim

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

• Keep all documentation: purchase invoice, installation documentation, garantía 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 garantía and seguro have exclusions. These are the most common reasons why claims are rejected:

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

Conclusion: protect your investment properly

A batería doméstica is a long-term investment that needs proper protection. The manufacturer's garantía of 10–15 years covers manufacturing defects and excessive capacity loss. Your building seguro 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, garantía certificates, and support with claims. Contáctenos for advice.