The PHÖNIX HomeTec Protect Energy Policy covers all systems that are essential for your home’s energy supply – for example, heating systems, heat pumps, solar panels, or battery storage. Our product also insures smart home components such as alarm systems, fire detection systems, or similar devices.

ou can insure what you want… We offer coverage for the following device groups:

• Photovoltaic systems

• Battery storage systems

• EV charging stations

• Balcony power plants

• Solar/Geothermal systems

• Heat pumps

• Heating systems

• Air conditioning systems

• Communication technology

• Control systems

• Security technology

Unforeseen damage caused by fire, water damage, overvoltage, lightning, frost, user error, vandalism, or theft.

Yes, our policies include the costs of repairs or replacement of defective parts.

Yes, modern systems such as photovoltaic panels, solar thermal systems, or battery storage are fully insured.

Yes, our policies also cover loss of income (e.g., from solar systems) or additional costs for replacement energy.

Building insurance covers damage from fire, water, storm, or hail – but not all technical malfunctions or user errors. The energy policy fills these gaps.

It should reflect the replacement value of all energy systems in the home to ensure full reimbursement in the event of a claim.