Does Homeowners Insurance Cover Solar Panels?

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   Jeff Ogden

   Sales Agent, Western Mutual Insurance Group, Phoenix, Arizona

   There are two types of solar panels. Leased and owned. If the panels are leased, the owner will have insurance on the panels. If the panels are owned by you the homeowner, your insurance policy with Western Mutual Insurance (www.westernmutual.com) would cover the panels under your dwelling coverage limit only if the units are attached to the home. Coverage must be added to dwelling coverage A to account for the costs of labor and materials of installation.

   Answered on November 15, 2013

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