Should I remove solar panels or get a solar hot water heater?

I just found out that my homeowners insurance company wants to charge me 0 more per year because I have some old solar panels on my roof. They were put on by the previous owners a long time ago I think. They are for a solar water heater but they aren’t connected to anything because I just have a regular water heater in my garage. They are ugly as hell and I would just as soon take them down as I’d rather have a tankless system eventually anyways. My insurance is already 50 per year for a 140K house (Florida) so its high enough as it is. It seems stupid to pay 0 a year for something I’m not even using. Who can I call to take them down or can I do it myself or are solar water heaters cheap enough now that I should consider one?

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