Does Homeowners Insurance Cover Solar Panels?

Roof-mounted solar panels are usually covered under your dwelling coverage against covered perils, but you may need to raise your coverage limit to reflect their value.

By the Home & Dime Editorial Team · Updated 2026

Covered

• Rooftop panels damaged by wind, hail, fire.

Check

• Whether ground-mounted panels need ‘other structures’ coverage.
• That your dwelling limit reflects the added value.

Frequently asked questions

Do I need to tell my insurer?

Yes — notify them and confirm your limit covers the panels.

Are leased panels covered?

Leased systems are often the leasing company’s responsibility.

Related guides

• What does homeowners insurance cover?

Sources: Insurance Information Institute (iii.org); Consumer Financial Protection Bureau; FEMA; state Departments of Insurance. General information, not insurance advice.