Solar Panels and Home Insurance: What Your Policy Covers

Most policies cover solar

Attached rooftop solar is usually covered under your dwelling coverage for the same perils as your roof — fire, wind, hail. If your panels fail to meet the roof's age/wind rating in storm states, some carriers require upgrades or charge more.

The gaps to watch

Ground-mount and standalone systems may need separate coverage. Production loss from damage is typically not covered — only physical repair. And a leased/PPA system has its own insurance from the provider; confirm the split with both parties.

Expect higher premiums in storm states

In Florida, Louisiana, and other wind-exposed states, solar can add roughly $500–$1,500/year to premiums. Get an insurance quote alongside your solar quote — it's part of the real cost of going solar there.

Does homeowners insurance cover solar panels?

Rooftop solar is generally covered under dwelling coverage for standard perils. Confirm with your carrier and disclose the installation.

How much does solar raise home insurance?

Modest in most states; $500–$1,500/yr more in hurricane/wind states. Get a quote before signing the solar contract.

Are leased solar panels covered by my insurance?

The leasing company carries insurance on its system; your homeowners policy covers the roof and any damage you cause. Confirm the division of responsibility in writing.