Solar Panel Insurance: Coverage, Cost & Tips
Last updated: February 1, 2026
Does homeowners insurance cover solar panels? Coverage types, additional policy needs, and how to protect your solar investment.
Most homeowners insurance policies cover rooftop solar panels as part of the dwelling structure, but coverage limits, deductibles, and exclusions vary by insurer. As solar systems represent a $15,000-$30,000+ investment, understanding your coverage is essential. Some insurers require policy endorsements or riders for full coverage, and the added coverage cost is typically $10-$30/month.
Key Takeaways
- • Most homeowners policies cover rooftop solar as part of dwelling coverage
- • Verify your coverage limit is high enough to include the solar system cost
- • Some insurers require a policy endorsement or rider for solar — typically $10-$30/month extra
- • Ground-mounted systems may need separate coverage as "other structures"
- • Solar leases and PPAs are typically insured by the leasing company, not you
- • Document your system with photos and keep all receipts for claims
Frequently Asked Questions
Does homeowners insurance cover solar panels?
In most cases, yes. Rooftop solar panels are generally covered under the dwelling portion of your homeowners policy. However, you should contact your insurer to confirm: (1) your coverage limit includes the solar system value, (2) solar-specific perils are covered (hail, wind, fire), and (3) no endorsement or rider is required.
How much does solar panel insurance cost?
Adding solar coverage typically increases homeowners premiums by $10-$30/month depending on system value and location. Some insurers include it at no extra cost. Shop around — rates vary significantly between providers for identical coverage.
What if my solar panels are damaged by hail?
Hail damage is typically covered under homeowners insurance. Document the damage with photos, contact your insurer to file a claim, and get a professional inspection to assess the extent of damage. Solar panels are tested to withstand 1-inch hail at 50+ mph, but larger hailstones can cause damage.
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Last updated: February 2026