Just curious. Are your solar panels covered by your home owners insurance policy?
Did your insurance go up when you installed them on your roof?
Yes, my insurance went up, but only because I increased the coverage amount to account for replacing solar panels and other equipment (as well as the rest of the house). There's no solar rider or anything like that to charge solar users more. I asked my insurance agent about that as part of my detailed research on whether or not to use solar.
It's simply a matter of fact that rebuilding the house after a tornado or whatever would cost more if I also had to replace the solar equipment too. Thus I needed my coverage amount to be higher. Thus when I talked about it with my insurance agent my premiums went up to correspond with the higher coverage amount. Also, I have newer, more expensive, appliances like a variable speed heat pump and a hybrid water heater.
And after having all of that for a year, studying the telemetry and liking it as much as I hoped I would, I proceeded to add onto my solar to the full amount I wanted originally. (I call it Phase II but only after Phase I proved how it worked over the seasons.) I also replaced my wife's gas crossover with an EV crossover (since it was time to replace her car anyway). Again, before doing so I asked my insurance agent -- there's no EV fee in the insurance premiums. But I pay more in insurance for the facts that: A) I shifted from liability only coverage to full coverage, and B) replacing a more expensive EV would cost more than a comparable gas car. I even told him that we planned on driving the EV car a lot more and drive the gas pickup very little (which has been the case for the past 2 years). Likewise, I increased the coverage amount on my homeowners insurance again in case I have to replace the additions to my solar equipment.
All of those details are part of the research one should do before going solar and, if so, how much you do so that you can take advantage of the economies of scale, but not try to invest so much into it that you're fighting the law of diminishing returns. It's not hard math. It's not calculus. But it's a lot of details to sketch out.
For us it's been worth it. It's a really sweet feeling to be 80% energy self-reliant, including charging the EV, and the Dims' stupid warmageddon cult energy policies messing up our budget only 20% as much as they would if we had to buy all of our energy. I pay fixed higher insurance premiums and a somewhat fixed loan payment for a loan I took out to pay for the equipment and labor, so I can have a very low power bill, no natural gas bill, and virtually no cost at the gas pump. The energy costs we mostly avoid keep going up, while the loan payment goes down (as the HELOC's balance is paid down, the minimum payment goes down too). If the loan payment is the cost of saving on energy costs, then next year it'll cost me less (lower loan payments) to save more (energy costing more next year than this year). And the next year it'll cost me even less to save even more.
Meanwhile, the energy portion of my budget is fixed like it's still year 2019. What it cost me in year 2019 for power bill + natural gas bill + gasoline + what I put aside to a car savings account to repair/replace the next used car, that's how much I now pay for tiny power bill + EV car payment (2 years left in 4 year car loan) + increase in insurance premiums. It costs now more than 2019 did (with the car payments), so I take the difference out of the HELOC. Then when I got the EV credit and still get the solar tax credits (they're not refundable, but carry forward to the next year), I use that tax refund to pay the HELOC back down. The solar tax credit will end the same year I'll finish the car payments. Then my energy/car portion of my budget will quickly pay down the loan. The loan will be paid off 7 years from now, which is 9 years of owning the EV and 10-11 years of owning the solar equipment. This is even with the math on my power bills slowly rising both from inflation and from the fact that the warranties on by my solar equipment and my EV account for a linear degradation in throughput.
Lots of homework to do before recreating what I did to make sure it works for your situation. It's not for everybody. And I hate the tax credits -- all they did was artificially inflate my up front costs anyway, only for the government to give me back some of that in the hope that I think they're doing me a favor. But I promise you, that level of homework is worth it if it frees your budget from most of the effects of the Dims' energy policies. Add to it the fact that I rarely need the grid for 8 months out of the year, and it's given me a cushion in case the Dims make the grid unreliable (at least during those 8 warm months, which is when the grid demand is highest in Alabama).