Nathan Healy
Certified by Nathan Healy
Updated: June 2026
Quality Solar Solutions Since 2011
Palmetto has served 20,000+ customers across 31 states with an approval rating over 85%.
About Nathan Healy

Nathan Healy is a Vice President at Palmetto, where he helps homeowners cut through the confusion around solar and figure out whether it actually pencils out for their home, roof, and budget. With energy prices climbing and the federal incentive landscape shifting, his focus is simple: give people a straight, honest answer instead of a sales pitch.

He reviews Palmetto’s local solar guides so the costs, incentives, and utility details on this page reflect what’s really happening in your area.
He believes in solar so much, that he had Palmetto install solar on his own parents’ house, the home he grew up in.

01

Solar in Oregon

Oregon electricity prices have climbed 31% from 2020 to 2024 — and for many homeowners, that’s made the idea of generating their own power worth a serious look. If you’re exploring home solar panels for the first time, you’re asking the right questions.

This guide covers everything Oregon homeowners need to know about solar installation — from how the process works to what it costs. We’ll walk you through it clearly, step by step.

OREGON by the Numbers

21st Most residential solar in the United States
45k Households have installed solar panels
4.0 Average daily peak sun hours
~$45k Oregon average savings over 25 years
02

Oregon Solar Panel Cost

Curious what solar actually costs in Oregon? This calculator uses real installation data from Palmetto customers across the state — from Portland and Eugene to Bend and Medford. See your estimated monthly lease payment through our LightReach program (no upfront cost required), or explore a cash purchase option — side by side, so you can compare both paths to solar.

System Size
This system size is designed to offset approximately 100% of the average electricity usage for a home in Oregon.
Recommended
System
7.48 kW
Typical for your home size in OR
Your Monthly Payment
Estimated monthly cost with LightReach
$95/mo
As low as
$95/mo
Why Lease Solar?
Following the 2025 Big Beautiful Bill, the federal 30% solar tax credit is no longer available for cash purchases. With a LightReach lease, Palmetto owns the system and still qualifies for the commercial ITC — passing those savings through to you via lower monthly payments.
  • No upfront investment
  • Palmetto handles all maintenance
  • 90% Production Guarantee
  • Comprehensive protection program included
03

Palmetto Reviews

04

Key Takeaways

  • Oregon electricity prices have risen 28% since 2021, making solar a smart way to reduce your monthly energy costs.
  • Palmetto’s LightReach lease lets you go solar for as low as $95/month — no upfront cost, and Palmetto handles all maintenance.
  • Oregon offers strong solar incentives, including state rebates up to $5,000, utility cash rebates, and a property tax exemption on your system’s added home value.

Looking for More Detailed Oregon City Guides?

Explore our comprehensive solar guides for major cities across Oregon to find location-specific information on incentives, installers, and solar potential.

Looking for information on our new Heat Pump offering?

Explore Oregon Heat Pumps
05

Oregon Electricity Prices

Oregon electricity rates have jumped nearly 28% since 2021 — and they’re still climbing. Here’s what that means for your energy bill.

Oregon homeowners paid 11.4¢ per kWh in 2021. By 2024, that rose to 14.6¢ — a 28% increase in just three years. Nationally, rates followed the same trend, rising from 13.7¢ to 16.5¢ over the same period.

Solar gives homeowners a way to generate their own power and reduce dependence on the grid. When utility rates rise, the value of producing your own electricity rises with them — making solar increasingly worth considering.

Through Palmetto’s LightReach program, Oregon homeowners can go solar with no upfront cost. You pay a low, fixed monthly rate — while Palmetto owns, maintains, and backs the system with a 90% Production Guarantee and comprehensive protection.

Price of Energy: Oregon vs National Average

10¢
20¢
30¢
13.7¢
11.4¢
15.0¢
11.4¢
16.0¢
12.7¢
16.5¢
14.6¢
2021
2022
2023
2024
US Average
Oregon

Oregon Area Utility Providers

Oregon’s two main electric utilities — PacifiCorp and Portland General Electric — serve most of the state. Based on 2023 data, their rates sit below the national average of 16.0¢ per kWh, but they differ meaningfully from each other.

PacifiCorp customers paid around 12.0¢ per kWh in 2023 — right in line with Oregon’s state average of 12.70¢ per kWh. Portland General Electric came in higher at 15.2¢ per kWh, driven by infrastructure investments and grid modernization costs.

Even at today’s rates, electricity costs add up — and they tend to rise over time. Generating your own power with solar can help Oregon homeowners reduce that exposure and bring more predictability to their monthly energy bills.

Oregon Utilities Electricity Rates

PacifiCorp
12.00¢
-25%
Portland General Electric
15.20¢
-5%
OR Average
12.70¢
-21%
US Average
16.0¢
06

Oregon Solar Incentives

Oregon homeowners have access to a strong set of solar incentives in Oregon — including state rebates, utility programs, and automatic tax exemptions — that can meaningfully reduce the cost of going solar.

Incentives include state rebates through ODOE, Energy Trust of Oregon cash rebates, income-qualified programs, battery storage incentives, and local utility rebates. Oregon also exempts solar from property tax assessment and, with no state sales tax, all equipment is automatically exempt.

The federal 30% residential solar tax credit was eliminated by the 2025 Big Beautiful Bill. State and local incentives still apply. With a Palmetto LightReach lease, Palmetto handles the commercial tax credit and passes savings through via lower monthly payments.

Incentive Type Description Source
Oregon Solar + Storage Rebate Program (ODOE) Rebate Oregon homeowners can receive up to $5,000 for a solar system and up to $2,500 for a paired battery storage system, with higher rebates available for low- and moderate-income households. Learn More
Energy Trust of Oregon – Standard Solar Incentive Rebate Portland General Electric and Pacific Power customers can receive a flat $2,500 cash incentive toward the purchase of a new solar system installed by an Energy Trust Trade Ally contractor.
Energy Trust of Oregon – Battery Storage Incentive Rebate PGE and Pacific Power customers can receive $400 per kWh of battery storage installed, up to a maximum of $5,000, through the Energy Trust of Oregon.
Energy Trust of Oregon – Solar Within Reach (Income-Qualified Solar & Storage) Rebate Income-qualified PGE and Pacific Power customers can receive up to $0.90/W for solar (max $5,500) and up to $520/kWh for battery storage (max $6,500), with even higher incentives available under expanded program tiers.
PGE Smart Battery Pilot Program Rebate Portland General Electric residential customers can receive an upfront rebate of $1,000–$3,000 for installing a compatible battery system, plus earn $1.70 per kWh during grid peak events. Learn More
Portland Clean Energy Community Benefits Fund (PCEF) – Solar & Storage Grants Rebate Portland residents, particularly low-income households and communities of color, may qualify for PCEF grants that can cover up to 100% of solar installation and battery storage costs. Learn More
Eugene Water & Electric Board (EWEB) – Solar Incentive Rebate EWEB residential customers can receive $0.40 per AC watt of solar installed, up to $2,500, on a first-come, first-served basis from a 2026 budget of $125,000. Learn More
Salem Electric – Solar Rebate Rebate Salem Electric customers can receive $300 per kW of solar installed, up to a maximum of $1,500, for net-metered systems of 25 kW or less. Learn More
Central Lincoln Electric Utility – Solar Storage Rebate Rebate Central Lincoln Electric Utility customers can earn up to $2,000 for installing a solar-plus-storage system by completing a pre-installation technical review and signing a net metering agreement.
Oregon Property Tax Exemption for Solar Energy Systems Property Tax Exemption Oregon law exempts the added home value from a solar installation from property tax assessment, meaning your property taxes will not increase due to your solar system. Learn More
Oregon Sales Tax Exemption for Solar Equipment Sales Tax Exemption Oregon has no general state sales tax, so all solar panels, inverters, batteries, and installation labor are automatically exempt — no application required. Learn More
Oregon Net Metering Net Metering Oregon requires major utilities to offer net metering for residential solar systems up to 25 kW, crediting excess generation against your electricity bill with an annual true-up each March. Learn More

The Oregon Department of Energy (ODOE) Solar + Storage Rebate Program offers residential homeowners a rebate of up to $5,000 for a solar electric system and up to $2,500 for a paired energy storage system. The program is set to temporarily reopen on June 15, 2026, with $1.1 million in available funding — but demand is expected to be extremely high, and funds may be exhausted within the first day.

Low- and moderate-income (LMI) households are eligible for significantly enhanced rebates worth up to 60% of the total system cost, which can reach up to $7,500 for solar. LMI eligibility can be established through qualifying Oregon Housing and Community Services programs, Oregon DHS/OHA programs, or by providing an Oregon Department of Revenue tax transcript proving household income.

To qualify, your system must be installed on real property in Oregon by an ODOE-approved contractor. The contractor must submit a reservation application before construction begins. For paired solar and storage systems, both must be purchased together from the same approved contractor. Rebates are issued to the contractor and passed on to you as an upfront discount.

The Energy Trust of Oregon (ETO) offers a flat $2,500 per-system cash incentive for residential solar installations in 2026. This incentive is available to customers of both Portland General Electric (PGE) and Pacific Power. The benefit is applied as an upfront discount on your purchase price — your contractor collects it on your behalf, so you see the savings immediately at the time of installation.

To qualify, you must be a current PGE or Pacific Power customer and have your system installed by an Energy Trust-approved Trade Ally contractor. Customers of smaller public utility districts (PUDs) or electric cooperatives generally do not qualify for ETO incentives, though local utility rebates may be available separately.

This incentive can be stacked with the ODOE Solar + Storage Rebate Program, allowing eligible homeowners to combine both state-level incentives for maximum savings. You can request a bid from qualified Trade Ally contractors directly through the Energy Trust website.

The Energy Trust of Oregon offers a cash incentive for battery storage systems at $400 per kWh installed, up to a maximum of $5,000 for standard-income customers. For example, installing a 15 kWh battery paired with a qualifying solar system would earn the full $5,000 incentive. This applies to customers of Portland General Electric (PGE) and Pacific Power.

The battery storage incentive can be claimed alongside the ETO solar incentive and the ODOE Solar + Storage Rebate Program, making it possible to stack multiple incentives for a solar-plus-storage system. Installation must be completed by an Energy Trust-approved Trade Ally contractor.

Income-qualified customers are eligible for significantly higher per-kWh incentives through the Solar Within Reach program (see separate listing). All systems must meet Energy Trust performance and equipment standards to qualify.

The Solar Within Reach program from Energy Trust of Oregon provides significantly enhanced incentives for income-qualified residential customers. Standard income-qualified customers of both PGE and Pacific Power can receive a $0.90 per Watt discount on solar installation, up to $5,500 per home. For battery storage, income-qualified PGE customers can receive up to $520/kWh (max $6,500), and Pacific Power customers up to $440/kWh (max $5,500).

Under expanded program tiers, PGE customers may qualify for up to $1,100/kW for solar (max $6,600) and $900/kWh for storage (max $11,700), while Pacific Power customers may qualify for up to $900/kW for solar (max $5,400) and $750/kWh for storage (max $9,000). A family of four with a gross annual income under approximately $120,000 often qualifies for these higher rebate tiers.

To access Solar Within Reach incentives, you must be a PGE or Pacific Power customer, meet the income eligibility guidelines, and have your system installed by an Energy Trust Trade Ally contractor. This program can be combined with the ODOE Solar + Storage Rebate Program for maximum savings. Contact Energy Trust directly or submit an online bid request to get connected with a qualified installer.

Portland General Electric’s Smart Battery Pilot Program offers residential customers an upfront rebate of $1,000 to $3,000 toward the cost of installing a qualifying battery storage system. In addition to the upfront incentive, participants can earn $1.70 per kWh during each Peak Time Event, when PGE remotely draws on your battery to help stabilize the grid during periods of high demand.

PGE expects to activate enrolled batteries approximately 15 times per year, primarily during very hot or cold days when grid stress is highest. This means participants can earn ongoing bill credits in addition to the initial installation rebate, providing long-term financial value beyond the upfront incentive.

Eligibility requires being a PGE residential customer and installing a compatible battery system. This program can be combined with Energy Trust of Oregon battery storage incentives for additional savings. Visit the PGE website to check current compatible battery models and enrollment availability.

The Portland Clean Energy Community Benefits Fund (PCEF) distributes $44–$61 million annually in clean energy funding, prioritizing low-income Portland residents and communities of color. For 2026, PCEF grants can cover up to 100% of solar installation and battery storage costs for qualifying households. The fund has already committed tens of millions of dollars to projects like Bonneville Environmental Foundation’s Empowering PDX initiative (serving 1,500+ low-income households) and Energy Trust’s Portland Solar for All project (targeting ~2,700 low-income households).

PCEF funding is distributed through community organizations and implementation partners rather than directly to individual homeowners. Eligible projects include solar installations, battery storage, and clean energy upgrades for single-family homes, affordable multifamily housing, and nonprofit-owned buildings. For net-zero building projects, PCEF can fund up to 25% of total development cost, up to $150,000 per home or unit.

To access PCEF benefits, Portland residents should watch for grant cycles and connect with approved implementation partners listed on the Portland Bureau of Planning and Sustainability website. The 2026 Community Grants cycle is awarding up to $60 million across multiple clean energy categories. This funding can be layered with state and utility incentives for qualifying households.

Eugene Water & Electric Board (EWEB) offers a solar incentive of $0.40 per AC output watt, up to a maximum of $2,500 for residential customers. Nonprofit, government, and public business customers can receive a higher rate of $0.50 per AC output watt, up to $12,500. The 2026 program has a total budget of $125,000, available on a first-come, first-served basis.

Customers must apply for pre-approval before installation to be eligible for the incentive. Even if the incentive budget is exhausted, EWEB encourages customers to follow the same application process, as additional funding may become available. Systems must comply with EWEB’s interconnection and net metering requirements.

For net metering, EWEB credits excess monthly generation at the 2026 Annual Renewable Net-Metered Rate of $0.0399/kWh. Customers who prefer to sell generation directly to EWEB can do so at the 2026 Annual Renewable Generation Purchase Rate of $0.0634/kWh. Contact EWEB or visit their website to begin the pre-approval process.

Salem Electric offers a solar rebate of $300 per kW installed for qualifying residential and small commercial solar systems. The maximum incentive is $1,500, and the rebate cannot exceed 50% of the total project cost. Funding is subject to availability, so early application is recommended.

To qualify, your solar system must be 25 kW or less in nameplate capacity and must comply with Salem Electric’s Net Metering Policy. The system must be connected to the grid under a net metering agreement. Salem Electric is a member-owned electric cooperative serving the Salem, Oregon area.

Customers interested in this rebate should contact Salem Electric directly before installation to confirm current fund availability and program requirements. This rebate can potentially be combined with state-level incentives such as the ODOE Solar + Storage Rebate Program for additional savings.

Central Lincoln Electric Utility offers a solar storage rebate of up to $2,000 for customers who install a qualifying solar-plus-battery storage system. To be eligible, customers must submit their project for a technical review by the utility before installation begins and must sign a net metering agreement with Central Lincoln.

The pre-installation review process is a key requirement — customers who skip this step or begin installation before receiving approval may not qualify for the rebate. This program is designed to support grid-connected solar and storage systems that meet the utility’s technical and safety standards.

Central Lincoln Electric Utility serves coastal Oregon communities. Customers interested in this rebate should contact Central Lincoln directly to initiate the technical review process before contracting with a solar installer. This incentive may be stackable with state-level programs such as the ODOE Solar + Storage Rebate Program.

Under Oregon Revised Statute §307.175, any increase in your home’s real market value resulting from the installation of a qualifying solar energy system is fully exempt from property tax assessment. This means that even though solar panels can meaningfully increase your home’s value, your annual property tax bill will not go up as a result. The exemption applies to solar, wind, geothermal, water, fuel cell, and methane gas systems used to generate electricity or heat/cool a home.

The financial benefit is ongoing for the life of your system. Based on Oregon’s average property tax rate of 0.82%, a typical solar installation could save approximately $255 per year on property taxes, or up to $378 per year for a solar-plus-battery system — adding up to roughly $5,100–$6,300 in total savings over the life of the equipment. The exemption only applies to systems that are net-metered or primarily intended to offset on-site electricity use.

Important: Homeowners must apply for this exemption through their county assessor’s office on or before December 31 of the year in which the system was installed — it is not entirely automatic in all counties. Additionally, this exemption is currently scheduled to expire for systems installed after July 1, 2029. Homeowners who install before that deadline and receive the exemption will retain it for the lifetime of their system, creating a strong incentive to act before 2029.

Oregon is one of only a handful of U.S. states with no general state sales tax. As a result, all solar equipment — including panels, inverters, racking, batteries, and installation labor — is automatically exempt from sales tax. There is no application to file or special exemption to claim; the savings are built in at the point of purchase.

This provides an immediate and meaningful cost advantage compared to purchasing solar in most other states, where sales tax on equipment alone can add thousands of dollars to the total project cost. For example, in a state with a 7% sales tax, a $25,000 solar system would incur $1,750 in sales tax — a cost Oregon residents simply don’t face.

This benefit applies equally to all Oregon residents regardless of income, utility provider, or location, and requires no action on the part of the homeowner or installer. It effectively lowers the baseline cost of going solar in Oregon compared to the national average.

Oregon’s Net Energy Metering (NEM) policy requires major utilities — including Portland General Electric (PGE) and Pacific Power — to offer net metering for residential solar systems up to 25 kW. Under net metering, excess electricity your solar panels send to the grid earns you credits on your utility bill. When your panels aren’t producing enough (e.g., at night or on cloudy days), those credits offset the electricity you draw from the grid, potentially reducing your bill to near zero.

Credits accumulate throughout the year and are reconciled at an annual true-up each March. Any unused credits remaining after the March billing period are transferred to a low-income assistance program (the Low Income Energy Assistance Program) rather than paid out in cash. Note: PGE has transitioned to a “net metering 2.0” structure where exported energy is credited at an avoided-cost rate (approximately 4–5 cents/kWh) rather than the full retail rate (~12 cents/kWh), so system sizing to maximize self-consumption is important for PGE customers. Pacific Power credits excess generation at the full retail rate for applicable kWh-based components.

Utility-specific net metering rates vary: EWEB credits excess monthly generation at $0.0399/kWh (with a direct generation purchase option at $0.0634/kWh). Salem Electric and Central Lincoln also offer net metering for qualifying systems. All net-metered systems must meet the utility’s interconnection requirements and be installed by a licensed contractor. Oregon does not currently have an SREC (Solar Renewable Energy Credit) market, as the state’s Renewable Portfolio Standard does not include a specific solar carve-out.

Ready to go solar with no money down?

Speak with a Palmetto solar expert about LightReach leasing and Oregon incentives.

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07

Oregon Solar Irradiance

Solar panel production varies throughout the year based on daylight hours, weather patterns, and sun intensity. Oregon’s mix of rainy winters and sunny summers creates unique solar patterns. Despite its cloudy reputation, Oregon receives enough sunlight year-round to make solar a smart, worthwhile investment for most homeowners.

What Can the Average Oregon Solar System Power?

Summer Production (July)

52.2 kWh/day

In July, your 10 kW system could power:

  • 3.6 average Oregon homes (15 kWh/day per home)
  • or Run central AC for 18 hours AND power all other appliances
  • or Fully charge 5.4 Tesla Model 3 electric vehicles

Winter Production (December)

11.6 kWh/day

In December, your 10 kW system could power:

  • 2 average Oregon homes (15 kWh/day per home)
  • or Keep your home heating system running for 15 hours
  • or Fully charge 3 Tesla Model 3 electric vehicles

Annual Production

11257 kWh/year

Over a year, your 10 kW system could:

  • Offset 10 tons of carbon dioxide emissions
  • or Equal the environmental benefit of planting 175 trees
  • or Save approximately $4,234 in electricity costs

See how affordable solar leasing can be for your home

Get a personalized LightReach quote based on your home, energy usage, and roof — no upfront cost required.

Get My Custom Estimate
08

Solar Installations in Oregon

We’ve mapped thousands of real solar installations across Oregon so you can see exactly which neighborhoods and communities have made the switch to clean energy. Explore the interactive heatmap below — click any hexagon to discover how many of your Oregon neighbors are already generating their own solar power!

09

Go Solar with LightReach — No Upfront Cost

For Oregon homeowners, Palmetto’s LightReach program offers a solar lease — meaning you pay a simple, fixed monthly amount (as low as $95/mo) rather than a large upfront cost. Palmetto owns the system, so you never have to worry about maintenance, repairs, or performance issues. That’s a meaningful difference from paying cash, where you’d be responsible for all of that yourself.

Unlike most solar leases, LightReach centralizes everything into one inclusive price managed solely by Palmetto. Your plan includes detailed solar mapping and design, premium all-black solar panels, a high-efficiency inverter, permitting, installation, and comprehensive project management — all handled for you. If your system doesn’t meet Palmetto’s 90% Production Guarantee, you’ll receive a credit for the difference.

With the federal 30% residential tax credit no longer available for cash purchases, leasing has become the most accessible path to solar for most Oregon homeowners. There’s no investment to recoup, no loan to manage, and no maintenance to take on. Learn more about buying vs. leasing solar to find the right fit for your home.

Go solar without the investment

With LightReach, there are no investment costs to recoup, loan payments to manage, or maintenance needs to take on. As soon as your panels are active, your solar savings are too!

Explore LightReach Leasing
10

Frequently Asked Questions

Yes, Oregon has Net Energy Metering (NEM). Major utilities — including Portland General Electric (PGE) and Pacific Power — are required to offer net metering for residential solar systems up to 25 kW. Excess electricity your panels send to the grid earns bill credits, which offset power you draw at night or on cloudy days. Credits are reconciled at an annual true-up each March.

Credit rates vary by utility. PGE uses a “net metering 2.0” structure, crediting exported energy at an avoided-cost rate (~4–5¢/kWh) rather than the full retail rate, making system sizing for self-consumption important. Pacific Power credits excess generation at the full retail rate. EWEB credits at $0.0399/kWh. Salem Electric and Central Lincoln also offer net metering for qualifying systems.

Yes — but only if you own your solar system outright. Research from Zillow found that homes with solar panels sell for approximately 4.1% more than comparable homes without them. For the average Oregon home, that can translate to a meaningful increase in resale value.

This benefit applies to purchased or financed systems — not leased systems. With a solar lease, the equipment is owned by the leasing company (like Palmetto under LightReach), not the homeowner. When you sell, the buyer would need to assume the lease agreement, which can complicate the transaction. Oregon’s property tax exemption also means your taxes won’t increase due to the added home value from a purchased solar system.

For Oregon homeowners, the most accessible way to go solar is through Palmetto’s LightReach lease — with payments starting as low as $95/month and no upfront cost. Palmetto owns and maintains the system, includes a 90% Production Guarantee, and provides a comprehensive protection program.

For those considering a cash purchase, a typical 7.48 kW system in Oregon costs around $23,057. Note that the federal 30% residential solar tax credit was eliminated by the 2025 Big Beautiful Bill. Use the calculator above for personalized pricing.

Palmetto’s LightReach is an all-inclusive solar lease — one fixed monthly payment covers the system, installation, monitoring, maintenance, and a 90% Production Guarantee. There is no upfront cost. For a typical 7.48 kW system in Oregon, the estimated monthly lease payment is approximately $95/month.

Because Palmetto owns the system, it claims the commercial Investment Tax Credit (ITC) and passes those savings to you through lower monthly payments — an advantage over cash purchases, where the residential ITC was eliminated. Most Oregon homeowners start saving from day one.

For most Oregon homeowners, solar can be worth it financially — and with leasing, you don’t have to wait years to see the benefit. Through Palmetto’s LightReach program, your monthly lease payment is typically less than your current electricity bill, which means you can start saving from day one with no upfront investment required.

Oregon electricity rates have risen 28% since 2021, making the value of generating your own power even greater over time. Palmetto owns and maintains the system, includes a 90% Production Guarantee, and provides a comprehensive protection program — so there’s nothing to manage on your end.

Yes, solar makes sense for most Oregon homeowners. Electricity rates have climbed 28% since 2021, and Oregon offers strong incentives — including state rebates up to $5,000, utility cash rebates, a property tax exemption, and no sales tax on equipment. With 4.0 average daily peak sun hours, most Oregon homes generate meaningful solar production year-round.

The biggest barrier — upfront cost — is now easily solved. Palmetto’s LightReach solar lease lets Oregon homeowners go solar with no money down, starting at $95/month. Palmetto owns and maintains the system, backs it with a 90% Production Guarantee, and you start saving from day one.

Palmetto Solar is a top choice for Oregon homeowners. We’ve completed 717 installations across Oregon since 2020, bringing national expertise with a local focus to cities like Portland, Eugene, Bend, and Salem.

We offer some of the industry’s best financing options, including our LightReach lease — starting as low as $95/month with no upfront cost. Palmetto owns and maintains the system, includes a 90% Production Guarantee, and provides a comprehensive protection program, making solar simple and accessible for Oregon homeowners.