Adding Solar to Your Home Just Got Easier

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Great news for Florida residents. Amendment 4 was passed with 73% of the vote making it easier than ever for Florida residents to add solar to homes in the Sunshine State. Prior to the passage of this constitutional amendment, adding solar was more of an expensive endeavor. This is because the solar panels, and any related equipment, were taxed as personal tangible property in addition to the value of the home.

Where you could add something like energy-efficient windows to your home and not pay additional taxes on them, this was not the case with solar and this prevented many homeowners and businesses from exploring this form of alternative energy. Now, Florida residents have clearly spoken that taxing solar panels as separate property was unacceptable.  With the passage of Amendment 4, your solar panels will not be taxed separately but may just be included in determining the value of your home for your annual tax bill.

What Amendment 4 Means to You

Mostly – you will save money. If you have been on the fence about adding solar to your home, now is a good time to look at it again. If you already have panels, you will begin to save money by paying less in taxes. This is a win-win for anyone looking to go green and explore alternative energy. Given that we are the Sunshine State, it is only appropriate that it be easy to use solar energy, and now it is.

Florida Solar Companies

If you are ready to explore solar energy for your home, it is smart to call multiple providers and have them give you a quote or let you know what type of solutions they offer. In Florida, there are several companies you can work with, including –

You can also visit the Florida Solar Energy Association’s website to look at their members, read information, get tips and gain industry knowledge. Being an informed consumer can be to your benefit when making changes to your home, so it is worth taking the time to read through some of their publications. Doing so will make you better equipped to ask questions when you do speak with a potential installer.

One of the questions you should ask is about pricing. You can typically purchase your solar panels outright or you can lease them over a period of ten to twenty years. Both are viable options so it really comes down to how much energy you need to generate for personal consumption and what your budget is.

Insuring Your Panels

As your insurance agent, we want to make sure that your homeowners’ insurance policy is up to date and is sufficient to cover any changes or improvements you make to your home, including solar panels.  The best way to find out if you are covered is to call for a free policy review. We will let you know if you need to expand your coverage amounts or add your panels specifically. Taking the time to do so is wise since this is a long-term investment. For help with any of your insurance needs call Florida Educators Insurance today!

My name is Gary Cucchi, I am the owner of Florida Educator Insurance, LLC (an agency of Horace Mann Insurance). As a previous coach and educator, I was impressed with Horace Mann Companies’ devotion to helping educators for over 60 years. I know first-hand that educators have busy lives, and that is why my staff and I are dedicated to helping our clients meet their insurance needs and plan for their financial future.


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