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this post was submitted on 25 May 2024
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If you want to power your house independently from the grid, your house has to be independent from the grid.
Anything where you sell your excess power back to the grid is in tight cooperation with the grid operators.
Standard house wiring is not set up to accommodate back feeding the grid nor independently powering.
So you will need a changeover switch professionally fitted if you want an independent power source, or your solar panel installers will fit the appropriate equipment to back-feed the grid.
Anything else will likely involve deaths, fires, broken equipment, criminal prosecution, insurance invalidation and all that nasty stuff.
For clarity, if you do a stupid job at your DIY solar installation and it burns your house down, that is likely a covered cause of loss. There isn't a policy exclusion for stupidity, unfortunately.
There may be an exclusion for the panels themselves since you could argue that improper workmanship was the proximate cause of loss, but the ensuing damage would likely be covered.
A similar scenario would be an improper plumbing repair flooding your house. Insurance won't pay to redo the plumbing that was wrong, but it will pay to fix the water damage.