Does Usaa Home Insurance Cover Solar Panels

USAA claims that any claim submitted with the stated address of the applicant will be handled by a team of dedicated service representatives who manage the claims for millions of members across tens of millions of policies. What does this mean for general security in your home? In this article, we look at how safe you are from substandard areas, and how to prepare your house for better protection from crime.

The debate

Solar panels are a hot topic, with many people advocating for their installation and use. While there is no one right answer on the matter, one of the most important factors to consider is whether or not your home insurance policy covers solar panels. Here’s a look at the debate and a breakdown of coverage by some of the top providers: USAA Home Insurance Coverage of Solar Panels According to USAA, they will cover solar panels while in use, but only if they are mounted on your house or property and you are covered in your homeowner’s insurance policy. If you have a separate solar lease agreement, USAA says it will cover the equipment under that agreement.\sn\snKeep in mind that this policy does not cover any damage caused to the panels by weather conditions or vandalism. If you have another insurance plan that includes coverage for solar panels, make sure to check specific terms and conditions before signing anything.

What to do

If you own a home and have a solar system installed, do you need insurance? Solar panels are considered “items of personal property” under the homeowners’ policy. You’ll likely only be insuring your property against major damage, but you may also be covered for lost power, theft, or water ingress. Talk to your insurance agent to find out what coverage is available to you.

Could you get usaa home insurance to pay for solar panels?

Answer: You might be able to get usaa home insurance to cover the cost of solar panels. If you have a valid homeowners or renters policy, your insurer may cover the cost of adding solar panels to your home under general liability and property damage umbrella policies. Keep in mind that any policy exclusions may apply, so it’s always worth talking to a representative about your specific situation.


Unfortunately, at this time, it is not clear if USAA does cover solar panels as a part of its homeowners insurance policy. If you are interested in finding out for sure, you will need to contact them directly and ask the question. In the meantime, just be aware that it might not be covered and plan yourprotection accordingly.