any increase in their insurance rates. But you are required in Xcel territory to maintain a $300000 liability policy against damage to their equipment. SolarDave: I am guessing the solar panels are more durable then my cedar shake roof that I need to replace? Sam Weaver: That is correct, the panels we install come with a 25 year warranty on them. The warranty covers materials workmanship the panels themselves also the power output. … Solar panels roof homeowner insurance rates alternative …... more