With the lease they insure the panels because they belong to them your home owners takes care of your house less the first year if they are the cause of the damage like roof leak or fire. I have State Farm and a add on to the policy which only cost a few dollars which mean State farm makes me Whole then seek remedies if any from the contractors or MFG for damage caused. IE a plumber accidentally caught the house on fire do to soldering a pipe. It was truly a accident on his part and the fire was not noticed for hours. State farm has step in and spent over 70 k to date all the limits on my policy are applied