Farmers Solar Insurance: Overall Verdict
Farmers Solar Panel Coverage Details
- Solar panels: Covered as dwelling coverage at replacement cost value in most states. Farmers requires solar system documentation (invoice + system specs) for systems over $40,000.
- Microinverters & string inverters: Covered under the solar endorsement. Keep serial numbers and installation documentation on file.
- Battery storage: Available as endorsement. Tesla Powerwall and LG RESU covered explicitly. Confirm coverage limits — some Farmers policies cap battery coverage at $15,000 which may be insufficient for newer Powerwall 3 systems.
- Lost power generation: Not available as a standard offering from Farmers in most states.
- Equipment breakdown: Available as an add-on. Strongly recommended for Farmers solar policyholders — covers inverter failure and electrical component breakdown.
- Hail damage (TX, CO): Covered, but Farmers applies a percentage hail deductible in Texas (typically 1–2% of dwelling value) and hail-prone Colorado counties. Verify your deductible before assuming full coverage.
- Wildfire (non-CA): Covered in AZ, CO, NM, and other western states. For California, Farmers has substantially reduced its CA presence — most new CA customers cannot get a Farmers policy.
Farmers Solar Insurance Pricing 2026
For a standard 10kW residential solar system on a $400,000 home, Farmers typically charges $225–$335 per year for solar coverage as an endorsement on your homeowners policy. This is near the national average of $220/year.
Key pricing factors for Farmers solar policies:
- State: Farmers rates vary significantly by state. High-risk states (FL, TX Gulf Coast, CA wildfire zones) see the highest premiums.
- System size: Larger systems command higher premiums. Battery storage adds $40–$120/year on average.
- Multi-policy discount: Bundling home + auto with Farmers typically saves 10–18% on total premium, effectively subsidizing the solar add-on.
- Claim history: A prior solar or home claim may increase your premium 15–30% at renewal.
Pros & Cons of Farmers Solar Insurance
✅ Pros
- ✅ Strong solar coverage in TX, FL, AZ, and CO markets
- ✅ RCV coverage standard on solar endorsements
- ✅ Equipment breakdown coverage available as add-on
- ✅ Good claims process with dedicated solar claims adjusters in key states
- ✅ Competitive pricing in moderate-risk states
❌ Cons
- ❌ Pulled back from California market in 2023 — limited CA availability
- ❌ Higher-than-average premiums in coastal FL and TX Gulf Coast
- ❌ Agent-only sales — no instant online quotes
- ❌ Battery storage coverage less comprehensive than State Farm or USAA
- ❌ Some policyholders report slower claims resolution vs. State Farm
Farmers vs. Competitors: Side-by-Side
| Insurer | Annual Premium (10kW) | Payout Type | Best For |
|---|---|---|---|
| Farmers | $225–$335/yr | RCV | TX, FL, AZ, CO solar expertise |
| State Farm | $215–$310/yr | RCV | Best claims service, 49-state availability |
| Allstate | $210–$295/yr | RCV | CA/wildfire zones, battery coverage |
| Nationwide | $195–$280/yr | RCV | Competitive pricing, strong Midwest |
| Progressive | $185–$260/yr | ACV/RCV | Budget option, lower-risk states |
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Farmers Solar Insurance FAQ
Yes, Farmers covers rooftop solar panels as a dwelling endorsement with RCV coverage in most states. The endorsement requires system documentation and is available in 45 states. Note: Farmers has significantly reduced its California footprint since 2023 — CA homeowners should check availability carefully.
Farmers is one of the top-rated options for Texas solar homeowners. They have strong regional expertise in TX solar claims, competitive pricing for inland Texas, and RCV coverage. Be aware of hail deductibles (typically 1–2% of dwelling value in TX) and confirm your deductible before assuming full hail coverage.
Farmers announced a significant pullback from the California homeowners market in 2023, citing increasing wildfire losses and challenging regulatory conditions that prevent adequate premium adjustments. Many existing CA Farmers policyholders were non-renewed. California solar homeowners should explore State Farm, USAA, Liberty Mutual, or the CA FAIR Plan as alternatives.
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