Does USAA home insurance cover solar panels? (2025 Coverage Details)
Does USAA homeowners insurance cover solar panels? USAA homeowners insurance coverage for solar panels typically includes damage from covered perils like fire, hail, or theft, with premiums starting at $150 per month. However, wear and tear or poor maintenance aren’t covered under a USAA homeowners policy.
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Ted Patestos
Licensed Insurance Adjuster
Theodore (Ted) Patestos is a seasoned innovator and policyholder advocate in the public adjusting industry. With a career dedicated to turning data into actionable insights, Ted has championed tools and strategies that improve transparency, efficiency, and outcomes for both consumers and adjusters. He developed Claim Machine, a platform that uses weather data to help public adjusters, contractors,...
Licensed Insurance Adjuster
UPDATED: Jul 1, 2025
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UPDATED: Jul 1, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Does USAA homeowners insurance cover solar panels? USAA homeowners insurance typically includes solar panels under dwelling coverage, with estimated monthly costs starting at $150 for standard coverage. However, it does not cover damage resulting from wear and tear or poor maintenance.
Solar panel coverage is usually included under dwelling protection, but additional endorsements, such as hurricane or flood coverage, may be required in high-risk areas. Optional riders averaging $30 per month can also enhance protection for solar installations.
It’s essential to carefully review your USAA policy to understand what is and isn’t covered, including deductibles and coverage limits for solar panels. For non-covered issues like aging or maintenance-related damage, the homeowner is responsible for repair or replacement costs.
Why pay more to protect your home when you can find the same coverage for less? Enter your ZIP code to compare home insurance quotes with our free comparison tool.
- USAA home insurance covers solar panels for fire, hail, and theft
- Additional coverage for hurricanes or floods may be required in certain areas
- Damage from wear and tear or improper installation is not covered
Understanding Homeowners Insurance
Homeowners insurance helps protect your home and belongings from covered risks like fire or theft. It is an important way to safeguard your most valuable asset.
It often includes liability coverage, temporary living expenses, and protection for personal belongings. Many homeowners wonder, “Is solar covered by home insurance?” Generally, solar panels attached to your home are included in dwelling coverage.
Solar Panels and Homeowners Insurance Monthly Costs and Coverage Options
| Category | Details | Estimated Monthly Cost |
|---|---|---|
| Standard Homeowners Insurance | Basic dwelling, personal property, and liability coverage | $150 |
| Solar Panel Coverage | Included under dwelling coverage; additional riders may be required | $30 (add-on) |
| Hurricane or Flood Endorsement | Additional coverage for high-risk areas like Florida or Louisiana | $25 |
| Discounts for Solar Panels | Possible discounts for renewable energy use or energy-efficient homes | 10% off total cost |
| Bundled Policies | Discounts for bundling home and auto insurance with USAA | 15% |
| Additional Endorsements | Riders for detached structures or higher-value solar installations | $20 |
However, questions like “does homeowners insurance cover solar panels?” or “are solar panels covered by homeowners insurance?” depend on specific policy terms. Some risks, like floods or earthquakes, might require separate policies. It’s crucial to understand these nuances, especially if you’re considering the installation of solar panels.
Homeowners insurance covers your home, belongings, and liability such as accidents or damage. It includes coverage for damage caused by fire, theft, vandalism, and severe weather conditions, among other things.
Moreover, homeowners insurance not only protects the structure of your home but also your personal belongings. So, if your belongings are stolen or damaged in a covered event, your insurance can help replace or fix them. This protection works at home and anywhere you go.
Read more: Insurance-to-Value (ITV) Ratio: Homeowners Insurance Terms Explained
How Homeowners Insurance Works
When you purchase a homeowners insurance policy, you agree to a contract with an insurance company. In exchange for eaither a monthly or annual premium, the insurance company agrees to provide coverage for your home and personal belongings. This coverage can vary depending on the type of policy you choose.
If a covered event like a fire or burglary happens, you’ll need to file a claim. First thing to do is to contact your insurance company, share the details, and they’ll assess the damage to decide your compensation.
It’s important to review your homeowners insurance policy carefully to understand what is covered and any exclusions or limitations that may apply. Some plans don’t fully cover certain items, so make sure your valuables are protected. Standard homeowners insurance usually doesn’t cover floods or earthquakes, so you might need extra policies for those. It also often includes extra benefits, like liability coverage, which helps if someone gets hurt on your property and decides to sue you.
Furthermore, homeowners insurance policies often offer additional benefits and coverage options. These may include liability coverage, which protects you in the event that someone is injured on your property and sues you for damages.
Remember, homeowners insurance is not a one-size-fits-all solution. It’s important to assess your specific needs and choose a policy that provides adequate coverage for your home and personal belongings. Regularly reviewing and updating your policy ensures that you are adequately protected as your circumstances change over time.
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Coverage for Solar Panels Under USAA Homeowners Insurance
When considering home insurance with solar panels, USAA solar panel insurance offers comprehensive coverage options tailored to your needs. USAA understands the impact of solar panels on home insurance and provides specific coverage to ensure your renewable energy investments are protected.
- USAA Solar Panel Insurance: USAA solar panels coverage includes provisions for homeowners insurance and solar panels. This coverage extends to separate solar panel insurance, addressing the unique aspects of solar panel installations and their impact on home insurance.
- Factors Influencing Coverage: Factors such as the age and condition of your solar panel system, whether you own or lease the panels, and the installation method can affect homeowners insurance with solar panels. USAA homeowner’s insurance for solar panels takes these factors into account to provide adequate coverage.
- Impact on Home Insurance: The installation of solar panels can have a positive impact on home insurance by reducing energy costs and increasing the value of your property. USAA understands the solar panel impact on home insurance and offers homeowners insurance solar panels coverage to address these benefits.
- USAA Electronics Insurance: In addition to solar panels, USAA electronics insurance is part of the comprehensive coverage options available. This coverage ensures that not only your solar panels but also your electronic devices and equipment are protected under your homeowner’s insurance policy.
USAA homeowners insurance offers a complete solution for homeowners with solar panels, including specific coverage for USAA solar panels and separate solar panel insurance if necessary. USAA gives you peace of mind by protecting your home, solar panels, and electronics.
Importance of Home Insurance Coverage for Solar Panels
It’s important for homeowners to have enough coverage for solar panels, as they face various risks. As solar panels become more common, it’s good to know how they work with homeowners insurance.
USAA homeowners insurance is known for covering many aspects of homeownership, including solar panels. If you live in Florida, Louisiana, or any state USAA serves, it’s important to have the right coverage to protect your solar panels and your investment.
In states like Florida, solar panels are popular for energy. USAA Home Insurance in Florida offers strong coverage for solar panels, protecting homeowners from damage or theft while supporting clean energy use.
Solar panels are integral components of your home’s energy infrastructure, making them eligible for coverage under standard homeowners insurance policies. Whether referred to as solar panels homeowners insurance, solar panels house insurance, or simply home insurance solar panels, USAA recognizes the importance of protecting these assets.
USAA homeowners insurance coverage extends to include solar panels, providing homeowners with the assurance that their renewable energy investments are protected.
For those considering solar energy, USAA solar loans offer flexible financing solutions, giving them the support they need to go green with confidence. Along with USAA homeowners insurance, fully protect your solar panels. Now, if you’re wondering, does USAA have home insurance options that cover renewable energy installations? The answer is yes—USAA provides tailored solutions for homeowners embracing sustainability.
Securing the right coverage for solar panels’ home insurance is essential for those transitioning to renewable energy. If you’ve asked, does USAA insure homes in Florida or does USAA insurance homes in Florida, the good news is that USAA offers homeowners insurance in the Sunshine State and beyond.
With customized coverage options and support for sustainable energy efforts, USAA ensures homeowners can transition to solar power confidently, knowing their insurance needs are fully met. Learn more insights in our guide about the best homeowners insurance.
An Overview of USAA Homeowners Insurance
When it comes to protecting your home, USAA is a name you can trust. As a financial services company that primarily serves military members and their families, USAA understands the unique needs of millitary members. With homeowners insurance, they offer extensive coverage and great customer service to ensure that you and your home are well-protected.
USAA, or United Services Automobile Association, is more than just an insurance provider. USAA is here for military members, offering financial services that fit their unique needs. You can check out our guide on the best renters insurance for military personnel, to gain more insights.
With over 13 million members, USAA has built a reputation for excellence and reliability. Their commitment to their members is evident in their exceptional customer service and their dedication to providing the best possible coverage at competitive rates.
Coverage Offered by USAA Homeowners Insurance
When you choose USAA homeowners insurance, you can have peace of mind knowing that your home and belongings are protected. USAA offers coverage for property damage, personal liability, and additional living expenses if your home becomes uninhabitable due to a covered event.
But that’s not all. USAA goes above and beyond to offer optional coverage for valuable items, such as jewelry or electronics. This means that your most prized possessions are safeguarded against loss, theft, or damage. With USAA, you can rest easy knowing that even your most cherished belongings are protected.
Identity theft is a growing concern in today’s digital world, and USAA understands the importance of safeguarding your personal information. With USAA, you can have peace of mind knowing that you are covered in the event of identity theft and that the necessary steps will be taken to restore your identity.
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Solar Panels and Homeowners Insurance
With solar energy adoption rising, many homeowners are asking, “does home insurance cover solar panels?” and “do solar panels affect homeowners insurance?” Most standard policies include coverage for roof-mounted solar panels as part of the home’s structure. However, standalone or ground-mounted systems may require additional endorsements.
Factors like location and climate also raise questions, such as “does solar panels affect your house insurance?” or “do solar panels affect home insurance?” For example, if you live in Florida, does USAA offer home insurance in Florida? Yes, USAA home insurance in Florida includes provisions for solar panels, but you may need additional coverage for risks like hurricanes.
Read more: Does USAA car insurance cover damage caused by a natural disaster if I only have liability coverage?
The Growing Trend of Solar Panels
As the demand for clean energy increases, more homeowners are installing solar panel systems on their properties.
By harnessing the power of the sun, solar panels convert sunlight into electricity, providing a renewable and clean energy source for households.
This not only reduces the reliance on traditional energy sources but also lowers carbon emissions, making solar panels an attractive option for those looking to reduce their carbon footprint.
Furthermore, the installation of solar panels can increase the value of a home. Many potential buyers are now actively seeking homes with solar panels, recognizing the long-term cost savings and environmental benefits they provide. Homeowners who invest in solar panels not only enjoy the immediate benefits of reduced energy bills but also the potential for a higher resale value in the future.
The Typical Coverage for Solar Panels
Many homeowners insurance policies consider solar panels as part of your dwelling coverage, which means they are generally protected by the same perils that cover the rest of your home. This coverage typically includes protection against fire, theft, vandalism, and natural disasters such as hurricanes or hailstorms.
When thinking about coverage for solar panels, it’s important to keep in mind that they can raise the cost of rebuilding your home if something happens. While they add value to your property, they can also make repairs or replacement more expensive after a covered loss.
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Some insurance policies may have specific deductibles for solar panels or exclude coverage for certain types of damage, such as wear and tear or maintenance-related issues.
USAA’s Approach to Solar Panel Coverage
USAA caters comprehensive coverage for homes and solar panels, that is addressing few key concerns such as “does USAA cover solar panels?” or “does homeowner insurance cover solar panels?” Their policies typically include solar panels under dwelling coverage, ensuring you’re protected against common perils. If you’re considering USAA home protector plus or specialized options like USAA battery replacement, you can feel confident in tailored coverage for renewable energy systems.
USAA provides flexibility for homeowners across different states. Wondering, “does USAA do home insurance in Florida?” Yes, USAA is writing homeowners insurance in Florida and understands regional risks. Similarly, “is USAA writing homeowners insurance in Louisiana?” and “does USAA offer homeowners insurance in California?” confirm their broad reach for homeowners.
Read more: Liability Insurance: A Complete Guide
Factors Affecting USAA Coverage
Comparing USAA’s Solar Panel Coverage With Other Insurers
Though USAA’s solar panel insurance is comprehensive, it’s worth exploring other providers to ensure the best fit. Most people asks question like, “does Allstate cover solar panels?” or “does Progressive home insurance cover solar panels?” reveal that Allstate solar panel coverage and State Farm solar panel coverage can also provide reliable options.
Comparing policies helps identify the best homeowners insurance for solar panels, especially for unique installations.
For those exploring additional benefits, “does USAA have pet insurance?” or “does USAA have agents?” highlights USAA’s extensive services. Other tailored options, like USAA sinkhole insurance, ensure you’re prepared for specific risks.
How Other Insurers Handle Solar Panels
While USAA provides coverage for solar panels, learn what a typical homeowners insurance policy covers and note that not all insurance companies offer the same level of coverage. Some insurers may include solar panels automatically under dwelling coverage, while others may require additional endorsements or separate policies to ensure coverage.
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USAA Homeowners Insurance Coverage for Solar Panels
Frequently Asked Questions
Does USAA homeowners insurance cover solar panels?
Yes, USAA typically covers solar panels under dwelling protection for perils like fire, hail, and theft, with optional endorsements available for extra coverage.
Read more: Does USAA homeowners insurance go up after a claim?
Do solar panels increase homeowners insurance?
Yes, solar panels may increase your premiums because they add value to your home and require additional coverage. The best place to start when you want affordable home insurance is to enter your ZIP code into our free comparison tool.
Does USAA offer homeowners insurance in Florida?
Does USAA provide homeowners insurance in Florida? Yes, USAA provides homeowners insurance in Florida, including options for protecting solar panels against local risks like hurricanes. To gain more information about the company, read this USAA insurance review and rating.
Are solar panels covered under homeowners insurance?
Most homeowners insurance policies cover solar panels if they’re permanently attached to the home, but additional riders may be needed for full protection.
Do solar panels affect house insurance?
Yes, solar panels can impact house insurance by requiring updates to coverage limits and possibly increasing premiums.
What insurance companies cover solar panels?
Companies like USAA, Allstate, and State Farm cover solar panels, but coverage specifics depend on the insurer and policy.
Does USAA offer homeowners insurance in Florida?
Yes, USAA provides homeowners insurance in Florida, but it’s only available to military members, veterans, and their families.
Does USAA have specific coverage for high-risk areas like Florida and Louisiana?
Yes, USAA offers additional endorsements for risks like hurricanes and floods in high-risk states, ensuring comprehensive coverage for solar panels.
Does USAA home insurance cover wear and tear on solar panels?
No, USAA does not cover wear and tear or maintenance-related damage to solar panels, which is standard across most insurers.
Is solar covered by home insurance under State Farm or Allstate?
Yes, both State Farm and Allstate offer coverage for solar panels, with options for additional endorsements for specific risks.
Read more: Allstate vs. USAA Renters Insurance
Do solar panels affect your house insurance?
Yes, solar panels can affect your house insurance. They might increase your coverage needs and cost, but they’re usually covered under your policy. Check with your insurer to be sure.
Does installing solar panels affect claims or deductibles with USAA?
Yes, installing solar panels might adjust deductibles or claims processes, depending on your policy’s coverage terms and the value of the panels. Don’t wait until it’s too late – enter your ZIP code into our free home insurance comparison tool to find affordable coverage today.
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Ted Patestos
Licensed Insurance Adjuster
Theodore (Ted) Patestos is a seasoned innovator and policyholder advocate in the public adjusting industry. With a career dedicated to turning data into actionable insights, Ted has championed tools and strategies that improve transparency, efficiency, and outcomes for both consumers and adjusters. He developed Claim Machine, a platform that uses weather data to help public adjusters, contractors,...
Licensed Insurance Adjuster
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.