A Personal Liability Policy (PLP), also known as an umbrella policy, provides the policyholder with an additional layer of coverage that goes above and beyond the policyholder's home and auto insurance liability coverage limits if a person is seriously injured at the policyholder's fault. In Florida, homeowners who install Tier 2 solar systems must have proof of Tier 2 insurance, which includes a PLP or umbrella policy. You must check with your insurance provider to understand what is and isn't covered in your policy and whether you need additional coverage for your solar panels.