On average, solar panels can cost $30,0001 depending on the size of panels, location, and a number of other factors. It can be a fairly significant investment, which may cause homeowners to ask an important question: Does homeowners insurance cover solar panels?
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Depending on your specific homeowners insurance policy, solar panels may be considered part of your dwelling, meaning your standard homeowners insurance policy may protect them against common perils without needing an additional endorsement or add-on coverage.
Coverage for roof-mounted solar panels typically includes protection against:
Your homeowners insurance policy would typically cover both the repair and replacement costs for damaged panels, subject to your deductible and coverage limits. However, your deductible and coverage limits are unique to your policy. We recommend that you review your policy on an ongoing basis, especially before you invest in, and install, a solar panel system.
It's worth noting that standard home insurance policies cover sudden, accidental damage and not gradual deterioration due to use or age. Wear-and-tear over time isn't typically covered by a homeowners insurance policy.
There are several factors that influence how solar panels can impact your insurance rates:
Adding solar panels to your home may increase the value of your home, which could result in an increase in your insurance premium.
Think of it this way: when you add $25,000 worth of solar panels to your home, you’re potentially increasing your property’s replacement cost by that same amount. This means that your insurance premium may need to adjust to reflect the higher value of your property and ensure you have adequate coverage limits should you need to rebuild after a total loss.
Regional climate risks and storm patterns factor into the equation as well. If you live in a hail-prone area, your insurance provider will consider the increased risk of damage to your solar panels. Regions with frequent storms or high wildfire risks may also see premium adjustments.
Why you should notify your insurer before installation
If you are looking to add solar panels to your home, we recommend you speak with your insurance agent before or immediately after solar panels are installed. They can review your current policy with you, identify any coverage gaps, and recommend appropriate adjustments to ensure your solar panels are adequately protected.
If your solar panels are damaged by a covered peril, filing a claim for their repair or replacement follows a similar process to other homeowners insurance claims:
It’s important to keep all documentation related to your solar panels, including original purchase receipts, warranty information, and contracts. Having this information available helps establish the value of your solar panel system and may streamline the claims process.
Preventative measures and regular maintenance can extend the lifespan of your solar panels and minimize the risk of damage.
Most homeowners insurance policies provide coverage for roof-mounted solar panels, treating them as part of your home's structure. However, the real key to protecting your investment in solar panels is communicating with your insurance agent to discuss your options and ensure you are adequately protected against the unexpected.
If you're considering installing solar panels, or already have solar panels on your home, now is the perfect time to review your home insurance coverage. Review your current policy limits to understand what's protected and reach out to your insurance agent for guidance on ensuring your investment has the protection it needs—and you deserve.
At Openly, we partner with independent insurance agents to ensure homeowners receive high-value coverage for their homes based on real risk factors and straightforward explanations of what's covered, and what's not. Visit Openly.com to get a quote or find an independent agent near you.
Yes, in most cases. Roof-mounted solar panels are typically covered under your dwelling coverage as part of your home's structure. As with any upgrades or updates to your home, be sure to notify your insurer after installation to ensure adequate protection and proper coverage limits.
Your premium may increase to reflect your home's increased value after installing solar panels. The adjustment depends on factors like panel location, system cost, and local risks.
No, standard homeowners insurance covers sudden or accidental damage from covered perils. Normal wear-and-tear, deterioration, and maintenance issues are the responsibility of the homeowner.
Document the damage thoroughly with photos and videos, then contact your insurance company to report the claim. Provide detailed information about when and how the damage occurred, and take reasonable steps to prevent further damage while waiting for an adjuster's assessment.
We provide this information to help you understand insurance. Any coverage is subject to the terms of your policy. Please refer to your policy and declarations page for complete terms, conditions, exclusions and coverage details. Openly may provide links that lead to an external website that may promote goods and services that Openly does not endorse. We are not responsible for the content, claims, or representations made on the linked website. Please review their terms and policies before engaging with any offerings.
1 Emily Walker. “Solar panel cost in 2025: It may be lower than you think.” Energysage. Updated 4 November 2025. Accessed 5 November 2025. https://www.energysage.com/local-data/solar-panel-cost/