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Residential solar energy installations are typically covered as part of a standard homeowner’s policy, according the U.S. Department of Energy’s National Renewable Energy Laboratory (NREL).
Homeowner insurance typically offers protection against certain risks — often called perils — such as theft or damage from wind or fire. Check with your agent to learn whether your policy provides coverage and to discuss any variables — for instance, roof-mounted vs. ground-mounted panels — that may affect your coverage.
See also:
My home received hail damage, can you remove and reinstall my solar array?
Do solar systems come with warranties?