Although homeowners are likely to find it good value to incorporate solar panel insurance costs into their home insurance, you might need to take out business insurance or specialist solar panel insurance if you have a larger solar set up that's part of a money-making venture. What does solar panel insurance typically cover?
Your solar panels can be covered by Home Building Insurance if an insured event results in loss or damage. Or if you're a tenant who owns solar panels and you've included them in your contents sum insured, then you may be covered under Contents Insurance for insured events causing loss or damage to your solar panels.
Most homeowners insurance policies treat roof-mounted solar panels as permanent fixtures, similar to built-in appliances or security systems. This means they typically fall under your dwelling coverage—the same protection that covers your home's structure.
In 2025, some insurers in hail-prone areas have begun excluding or limiting wind and hail coverage for solar panels, requiring separate endorsements. The ownership structure of your solar system dramatically affects your insurance responsibilities and coverage options.
2. Are solar panels categorized as other structures under homeowners insurance? Yes, solar panels are typically considered as additions that increase the value of your home. This can lead
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