Solar Panels & Home Insurance (2026)
Published 2026-02-20 · Updated 2026-07-07 · MySunROI Research Team
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Owned rooftop solar is usually covered under dwelling coverage — inform your insurer after install. Increase coverage if system value exceeds current limits. Leased systems may be insured by lessor.
Insurance coverage
- Owned: add to dwelling replacement cost
- Notify insurer — may adjust premium slightly
- Hail/wind: typically covered like roof
Leased systems
Lessor often maintains insurance. Verify liability if damage occurs.
Solar costs by state
Frequently Asked Questions
Will insurance drop me?
Unlikely — solar is standard in many markets. Disclosure is required.