A report by the National Renewable Energy Laboratory found that most rooftop solar systems should be covered as part of your standard homeowners policy. Contact your insurance company before you install your system to let them know about the addition to your property. You should be sure to verify that solar system replacement costs in the event of damage don’t exceed your current policy coverage limits. Adding solar should not increase your homeowner’s insurance premiums. If it does, you may want to find an insurer that provides discounts to customers that “go green”. The report does note that ground-based solar systems may not be covered and may require additional insurance.