Will I have to pay more to cover my solar panels?

Yes, but no more than a few extra dollars a month. You'll need to contact your home insurance provider to increase your sum insured to factor in how much your solar panels would cost to replace.

Am I covered for any electrical or physical damage to the solar panels?

Yes, but only if it is the result of an insured event like a storm, fire or accidental damage. Otherwise, your warranty may be able to cover you for electrical issues.

Can I get cover with my contents insurance policy?

Not generally. Insurers class solar panels as a permanent fixture, which means they come under home insurance. If you want to apply for cover through contents insurance , you'll have to speak to them directly and see if they can make any exceptions.