Homeowner says Duke Energy required $1M coverage for net metering, and the premium then tripled

A homeowner posting on Reddit says Duke Energy required $1 million in umbrella liability coverage to participate in net metering, and claims the annual premium roughly tripled from about $200 to about $600. In the thread, the poster alleges Duke made the extra insurance policy a condition of joining the net metering program, which credits rooftop solar owners for excess electricity sent to the grid. The complaint drew responses from other homeowners who suggested checking with their main insurer or shopping for alternative brokers. The post also highlights how costs beyond solar panels—like insurance, interconnection rules, and utility conditions—can change the economics of going solar.