Yes, most homeowners insurance policies do cover solar panels, but the extent of coverage depends on several key factors including how they're installed, whether you own or lease them, and your specific policy terms. . Coverage varies dramatically by installation type: Roof-mounted panels are typically covered under dwelling coverage with higher limits, while ground-mounted systems fall under “other structures” coverage limited to just 10% of your dwelling coverage—potentially leaving expensive systems. . In most cases, your homeowners policy will cover roof-mounted solar panels, but coverage limits, exclusions, and premiums can vary widely. Ground-mounted solar panels may be covered under other structures coverage. They may not be. . Here are some things to know about insurance coverage and home solar panels.
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