Reviewed and approved by Samuel Corso, licensed Texas insurance agent.

Published August 15, 2026 · Updated October 1, 2026

Does home insurance cover solar panels in Texas?

This guide is for Texas homeowners who have a solar array or are planning one. It walks through three things to settle before you ask whether your panels are covered: who owns the array, where it is mounted, and whether your insurer knows it is there.

The short version. For solar panels on a home in Texas, the Texas Department of Insurance (TDI) Home insurance guide gives no specific answer, because it does not mention solar panels. It says dwelling coverage pays if your house is damaged or destroyed by something your policy covers and, in its section on covered risks, that coverages vary by company. Ask your agent or company how your policy treats your panels.

After those three questions, this page covers the roof underneath the panels and whether solar panels void a policy. None of the TDI or Office of Public Insurance Counsel (OPIC) pages used here mentions solar panels. They describe home insurance in general, so this guide uses them for the general rules and leaves the solar-specific answer to your own policy.

First question: do you actually own the panels?

A first thing to check for a solar array on a Texas home is whether you own the panels or another company does. Your purchase, loan, or other solar agreement is the place to confirm that.

The TDI guide describes home insurance in terms of your own property. It says dwelling coverage pays if your house is damaged or destroyed by something your policy covers, and that personal property coverage pays if things you own are stolen, damaged, or destroyed. It does not say how a policy treats equipment on your house that another company owns.

That leaves two different conversations:

• If your agreement says you own the system. Raise the panels with your agent or insurance company.
• If your agreement says another company owns the system. Read what the agreement says about damage, repair, and insurance, and ask the provider who carries coverage on the hardware.

Second question: where are the panels mounted?

Where a solar array is mounted is worth raising with your insurer, because TDI describes separate coverages on a Texas home policy for the house and for structures that are not attached to the house. The TDI guide lists dwelling coverage and other structures coverage among six coverages that most home policies in Texas include. It says dwelling coverage pays if your house is damaged or destroyed by something your policy covers.

On the second coverage, the guide says: "Other structures coverage pays to repair structures on your property that aren’t attached to your house." It adds that this includes detached garages, storage sheds, and fences. TDI's tip sheet Home insurance: What structures are covered? says most policies define other structures as structures not attached to your house.

TDI does not say how a policy classifies solar panels, whether they are on the roof of the house, on the ground, or on a detached carport or barn. Which coverage your policy applies to your setup is a question for your agent or company. In its section on the risks a home policy covers, the guide says: "Coverages vary by company."

The limit matters as well. TDI's structures page says: "Most home policies include coverage for other structures at 10% of your house’s insured value." Its example is a house with $300,000 of coverage, which has $30,000 in coverage for other structures, and the page adds that you'll also have to pay your deductible. If a ground-mounted array falls under that coverage on your policy, how the limit applies to it alongside any other structures depends on the policy.

So a useful question for your agent is which coverage on your policy applies to your panels, and what the dollar limit on that coverage is. Our guide to other structures coverage covers that part of a home policy in more detail.

Third question: does your insurer know the panels are there?

Telling your insurance company about a solar array lets you ask whether the coverage amount on your Texas home policy still matches the property. Writing about home insurance in general, the TDI guide says each type of coverage has a dollar limit, and that if you don't have enough coverage to replace your home and property after a total loss, you'll have to pay the difference yourself.

The guide says home policies provide either replacement cost coverage or actual cash value coverage, and it defines both. On the first: "Replacement cost coverage pays to repair or replace your house and personal property at current prices." On the second: "Actual cash value coverage pays replacement cost minus depreciation."

If your dwelling limit was set before the array went up, you can ask your agent or company whether a solar array you own changes what the property would cost to rebuild, and whether the limit still fits.

If the amount of insurance on your home goes up, a percentage deductible may rise in dollar terms. OPIC's Decoding Residential Property Deductibles says special higher deductibles may apply for certain causes of loss, including wind and hail, and it explains how a percentage deductible is worked out: "The percentage is calculated on the amount of insurance you have on your home, NOT the amount of your claim." If your policy has a percentage deductible, a larger amount of insurance on the home means a larger dollar figure behind the same percentage. Our guide to how the wind and hail deductible works walks through the arithmetic.

The roof underneath is part of the question

A roof-mounted solar array sits on the roof, and TDI's guidance on roofs says some policies pay less for an older one. TDI's column What to know about insurance and your roof, which is about roofs in general, says some policies pay the full cost of a new roof and others pay less based on the roof's age and condition. It then says: "Many policies reduce coverage based on your roof’s age and materials."

The same column lists questions to ask when buying or renewing. It suggests asking your agent if the age and material of your roof are correct on your policy, and telling your insurance company if you replace your roof so they can update the age. It also says your policy might not pay if a roof in bad shape is damaged, and that when you fix or replace your roof you can ask your company if they can add roof coverage back to your policy.

For a home with solar, the roof details and the panel details go together. If you re-roofed before the array was installed, check that the new roof's age is on your policy. If you expect to re-roof under an existing array, ask your agent or company how your policy treats any work on the panels.

Do solar panels void your homeowners insurance?

None of the TDI pages used in this guide says that installing solar panels voids or cancels a Texas home insurance policy. What those pages do describe, for home insurance in general, is when a company might cancel a policy.

TDI's tip sheet Was your home insurance canceled or not renewed? says a company might cancel your policy if you stop paying premiums, if you file a fraudulent claim, or if you change something about your home that makes it a bigger risk. Separately, the TDI guide says a company may cancel your policy in the first 60 days if it learns about a risk you didn't tell it about and that wasn't part of a previous claim. Neither page says which changes or risks count, or whether a solar array is one of them.

It is sensible to tell your insurance company about a solar array when you install it, or when you apply for a policy on a home that already has one, and to ask how the company treats the panels.

If a company does decline, cancel, or not renew a policy, the same tip sheet describes a written explanation: "If you were declined a policy or your policy was canceled or not renewed after Jan. 1, 2026, your company must give you a written statement telling you why they declined, canceled, or nonrenewed your policy."

What to check, in order

These are steps you can take if your Texas home has a solar array or you are planning one. The order follows the three questions above, starting with ownership.

• Establish ownership first. Check what your solar agreement says about who owns the system. If another company owns it, read the agreement and ask the provider who insures the equipment.
• Ask which coverage applies. Ask your agent or company which coverage on your policy applies to the panels, whether they are on the house, on the ground, or on a detached structure, and what the dollar limit on that coverage is.
• Tell your insurer the array exists. Ask whether your dwelling amount still reflects what it would cost to rebuild the property as it now stands.
• Do the deductible arithmetic. If your policy has a percentage wind and hail deductible, work out the dollar figure at your current amount of insurance and at any new amount.
• Confirm the roof details on your policy. Check the age and material, and tell your insurer about any re-roof done before or during the install.
• Keep the paperwork. The installation contract, the equipment specification, and the cost may be useful if your company reviews your coverage.

Key facts

• TDI's Home insurance guide does not mention solar panels. It says dwelling coverage pays if your house is damaged or destroyed by something your policy covers and, in its section on covered risks, that coverages vary by company.
• Other structures coverage, according to the same guide, pays to repair structures on your property that aren't attached to your house, and this includes detached garages, storage sheds, and fences.
• Most home policies include coverage for other structures at 10% of your house's insured value, and you'll also have to pay your deductible, says TDI's structures page.
• Home policies provide either replacement cost coverage, which pays at current prices, or actual cash value coverage, which pays replacement cost minus depreciation, per the TDI guide.
• OPIC's Decoding Residential Property Deductibles says special higher deductibles may apply to wind and hail, and that a percentage deductible is calculated on the amount of insurance on your home.
• TDI's roof column says some policies pay the full cost of a new roof, others pay less based on the roof's age and condition, and many policies reduce coverage based on the roof's age and materials.
• A company might cancel your policy if you change something about your home that makes it a bigger risk, according to TDI's cancellation tip sheet, which does not say whether a solar array is such a change.
• The same tip sheet says that if you were declined a policy, or your policy was canceled or not renewed, after Jan. 1, 2026, your company must give you a written statement telling you why.

Sources: Texas Department of Insurance, Home insurance guide, Home insurance: What structures are covered?, What to know about insurance and your roof and Was your home insurance canceled or not renewed?; Office of Public Insurance Counsel, Decoding Residential Property Deductibles. This page is general information, not legal advice.

Take the next step

If you have put up a solar array and have not spoken to your insurance company since, a call to confirm ownership, mounting, and your coverage amounts is a sensible next step. If your renewal premium has changed, why home insurance goes up in Texas is a useful place to start, and how to choose home insurance in Texas covers sizing your dwelling amount.

Get a second opinion on your policy — free. Credify is a licensed insurance agency in Texas that helps you compare home insurance from roughly 20 licensed Texas carriers, so you can see whether your home coverage fits your needs. It takes a few minutes, and there's no obligation. 📞 Talk to Credify 24/7.

Credify is a licensed insurance agency in Texas. License TX #3309669 · NPN 21516523.

We compare quotes from multiple licensed Texas carriers; each insurer has sole responsibility for its products.

Coverage varies by insurer. Please review policy documents for complete details.