One question, answered straight
Does homeowners insurance cover solar panels?
Generally yes, as part of your dwelling coverage: roof-mounted panels are a permanent attachment, like a chimney or built-in AC, per the Insurance Information Institute. Fire, lightning, wind and hail damage is typically covered under a standard policy in Missouri and Kansas. Notify your carrier after installation and raise your dwelling limit; this isn't a coverage guarantee.
By Joshua Hayeslip · Founder and CEO, Solar Assure
The general framework
Roof-mounted solar is treated like part of the house.
The Insurance Information Institute (Triple-I) describes what standard dwelling coverage protects this way: “Your homeowners policy pays to repair or rebuild your home if it is damaged or destroyed by fire, hurricane, hail, lightning or other disasters listed in your policy.” A permanently roof-mounted solar system is generally treated as part of that structure, the same category as built-in appliances or a permanently installed air conditioning system, not as separate personal property. Ground-mounted arrays and solar carports are typically classified differently, under "other structures" coverage rather than the dwelling itself, which usually carries a lower default limit.
Triple-I also notes that homeowners who generate and sell surplus solar power back to the grid can access specialized policy add-ons covering the cost of temporarily buying replacement power and income lost during an outage, as long as the outage is caused by a covered peril. That is separate from basic property damage coverage on the panels themselves.
Source: Insurance Information Institute, "What is covered by standard homeowners insurance?" and "Green insurance". Checked September 24, 2026.
Missouri and Kansas specifically
Hail and wind, where it matters most.
Sources: Missouri Department of Commerce and Insurance; Kansas Department of Insurance, Home and Renters Shopper's Guide. Neither guide addresses solar panels by name; the dwelling-coverage and wind/hail-deductible facts are general and applied here to a roof-mounted system as a permanent attachment. Checked September 24, 2026.
Insurance versus warranty
Two different things cover two different problems.
Your homeowners insurance covers sudden, accidental damage from a named peril, hail, wind, fire, a falling branch. It does not cover equipment that simply underperforms or fails on its own. That is what manufacturer warranties are for: 25 years on the solar panels and 25 years on Enphase microinverters, both issued by the manufacturer, plus Solar Assure's own workmanship warranty on the installation itself, with its term stated in your installation agreement. Neither insurance nor a warranty is a substitute for the other, and neither is a guarantee; check your specific policy and your specific proposal.
Common questions
Solar and insurance, answered honestly.
Do I need to tell my insurance company I installed solar?
Yes. Notify your carrier after installation and confirm your dwelling coverage limit is high enough to include the system's replacement cost. This is a general best practice, not specific guidance from any one insurer; confirm the exact steps with your own carrier.
Is hail damage to solar panels covered in Missouri or Kansas?
Generally, hail is a named peril under standard homeowners policies in both states, per the Missouri Department of Commerce and Insurance and the Kansas Department of Insurance. Many policies in both states carry a separate wind/hail deductible, often a percentage of your insured value rather than a flat dollar amount, which changes your out-of-pocket cost on a claim. Check your specific policy.
Does my solar warranty cover storm damage instead of insurance?
No. Manufacturer and workmanship warranties cover defects and installation quality, not damage from an external event like hail or wind. Storm damage is an insurance claim, not a warranty claim.
Josh is not an insurance agent and this page is not insurance advice. Talk to your own carrier about your specific policy and coverage limits before and after installation.
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