Sunrun vs Momentum Solar: Subscriptions, Purchases and Warranties Compared

In the Sunrun vs Momentum Solar decision, the clearest difference is the business model: most Sunrun customers choose a 25-year lease or power purchase agreement (PPA) subscription in which Sunrun owns, maintains and guarantees the system, while Momentum Solar offers cash, loans, leases and PPAs. Sunrun publishes a 90% production guarantee and 25 years of maintenance for subscriptions, while EcoWatch reports Momentum offers a 25-year equipment and workmanship warranty but no production guarantee.

Facts below were checked in November 2026. Confirm every term in your own contract.

Key takeaways

• EnergySage reports that Sunrun serves more than 1.1 million customers and that, according to the company, about 95% choose a subscription (lease or PPA).
• Sunrun subscriptions include 25 years of maintenance and repairs and a 90% performance guarantee, except in some states.
• Sunrun lists a 10-year workmanship guarantee and 5-year roof penetration warranty for systems you buy.
• Momentum Solar lists cash, loan, lease and PPA options; EcoWatch reports a 25-year equipment and workmanship warranty.
• Sunrun says it operates in 20 states; Momentum's coverage page lists new home solar in seven.

Sunrun vs Momentum Solar at a glance

Feature	Sunrun	Momentum Solar
Founded	2007; bought Vivint Solar in 2020 (EcoWatch)	2009 (EnergySage)
Main offer	Lease or PPA subscription, 25-year term in most areas	Cash, loan, lease or PPA
Purchase option	Yes; about 5% of customers (EnergySage)	Yes
Production guarantee	90% on subscriptions; not in Florida	None, per EcoWatch
Workmanship	Subscription: life of contract. Purchase: 10 years	25 years equipment and workmanship (EcoWatch)
Roof penetrations	5 years	Not stated on pages we reviewed
Maintenance	25 years on subscriptions	Not stated on pages we reviewed
Service area	20 states	CT, FL, MA, NV, NJ, NY, TX listed for new installs

How Sunrun's plans work

According to EnergySage (updated June 2026), Sunrun's main product is a subscription, either a lease or a PPA, with a fixed monthly payment over a 25-year term. Sunrun owns and maintains the system. EnergySage notes some variations:

• Sunrun offers 15-year agreements in Illinois and Puerto Rico.
• A Flex Plan lease, sized for future needs such as an EV or heat pump, is available in Texas, Illinois and California.
• A prepaid plan lets you pay upfront at a discount, but it remains a subscription for the full term.
• Buyout options exist at various points during the term.
• You can also buy a system outright, though only about 5% of customers do.

Sunrun's plans page says the subscription plan transfers to new owners if you sell your home. EnergySage also reports that 73% of Sunrun customers add battery storage, and that a single battery can add roughly $15,000 to a project. Sunrun told EnergySage its customers in virtual power plant programs earned $17 million for taking part in those programs the previous year.

How Momentum Solar's options work

EnergySage lists Momentum Solar's address in South Plainfield, NJ. Its website lists four payment options: cash, a solar loan where you own the panels, a lease with fixed monthly payments, and a PPA where you pay a set price per kWh with no upfront cost. Momentum says you can transfer your solar agreement to a new owner if you sell, under the terms of your agreement.

Momentum says it installs Tier 1 panels and that systems include microinverters, racking, flashing and a production monitoring app. EnergySage lists it as an Enphase Platinum Installer.

A note on tax credits: some installer pages still mention a 30% federal credit. The IRS says the residential clean energy credit is not available for property placed in service after December 31, 2025, so do not count on it for a purchase now. See solar lease vs buy for how this affects the choice.

Sunrun vs Momentum Solar warranties and guarantees

Sunrun

Sunrun's coverage page describes the Sunrun Guarantee for its subscription and Protection Plus plans:

• 25 years of maintenance and repairs, with parts and labor at no extra cost.
• A performance guarantee of at least 90% of estimated production; if production falls short, Sunrun pays the difference.
• A watertight warranty that protects your roof from leaks or holes. Sunrun's plans page lists a 5-year roof penetration warranty for subscriptions.
• Monitoring, with production data sent to Sunrun's monitoring team four times a day.

Sunrun's coverage page says the guarantee is not available in Florida, and that in Illinois coverage depends on the initial contract term and the battery maker's warranty. EnergySage adds that the performance guarantee is not offered in Hawaii and is 85% in Puerto Rico.

For purchased systems, Sunrun's plans page lists manufacturer equipment warranties, a 10-year workmanship guarantee and a 5-year roof penetration warranty.

Momentum Solar

EcoWatch reports Momentum offers a 25-year equipment and workmanship warranty plus manufacturer warranties, usually 10 to 25 years, with the same coverage regardless of payment method, and no production guarantee. Momentum's own pages we reviewed did not list warranty terms, so get them in writing. See solar installer warranties compared.

Where each company installs

Sunrun's state page says it operates in more than 5,000 cities in 20 states and names California, Connecticut, Florida, Hawaii, Illinois, Maryland, Massachusetts, Nevada, New Hampshire, New Jersey, New York, Rhode Island and Texas, along with Washington, D.C.

Momentum's coverage page lists new home solar availability in Connecticut, Florida, Massachusetts, Nevada, New Jersey, New York and Texas, and also mentions Arizona, Georgia and Pennsylvania. Every state Momentum lists for new installs also appears on Sunrun's list, so many homeowners can compare both. Check your ZIP code with each.

Questions to ask Sunrun and Momentum before signing

The Federal Trade Commission recommends getting detailed written bids and checking that the contract matches the sales pitch. Ask both companies:

1. What is my starting monthly payment, does it rise each year, and what will I pay in total over the full term?
2. What is the cash price if I buy the system instead?
3. Is there a production guarantee in my state, and how is a shortfall measured and paid?
4. Who handles repairs and roof leaks, and for how many years?
5. What are the buyout options, and what does it cost to end the agreement early?
6. What must a buyer do to take over the agreement if I sell my home?

The Consumer Financial Protection Bureau also warns that dealer fees can be added to solar loans and are rarely disclosed, so ask for the cash price even if you plan to finance a purchase. Keep every answer in writing alongside your quotes.

Which one fits you?

• You want someone else to own and fix the system for 25 years. Sunrun's subscription is built around that, with a written production guarantee in most states.
• You want to own the system. Momentum offers cash and loan purchases. Sunrun also sells systems, but with a shorter 10-year workmanship term than EcoWatch reports for Momentum.
• You live in Florida. Sunrun says its guarantee is not available there, so compare coverage carefully.
• You want a battery. Both offer storage. EcoWatch reports Momentum offers Enphase IQ and Tesla Powerwall batteries, and EnergySage reports 73% of Sunrun customers add a battery.

The Federal Trade Commission notes that lease payments may rise over time and ending a lease early can be difficult and costly. Compare the total paid over 25 years against a purchase plus likely repairs.

Next steps

• Get written quotes from both, including total payments over the full term and a cash price.
• Check them with our solar quote checker.
• Read owner reviews on our Sunrun and Momentum Solar pages.