In most cases, homeowner’s insurance policies will cover solar panel damage caused by events like severe weather or accidents. However, it’s essential to review your policy and discuss solar panel coverage with your insurance provider to ensure you have adequate protection. Additionally, consider adding an endorsement or rider to your policy specifically for your solar panel system to provide comprehensive coverage. As for theft, some policies may cover stolen solar panels, but it’s crucial to verify and, if necessary, enhance your coverage to protect your investment fully.