Does Homeowners Insurance Cover Solar Panels? 
There are two types of solar panels . Leased and owned . If the panels are leased , the owner will have insurance on the panels . If the panels are owned by you the homeowner , your insurance policy with Western Mutual Insurance -LRB- www.westernmutual.com -RRB- would cover the panels under your dwelling coverage limit only if the units are attached to the home . Coverage must be added to dwelling coverage A to account for the costs of labor and materials of installation . 