Not totally sure I'm looking at rebranded PV cells currently being sold by a massive company in Thailand that have a rather long warranty but I don't see how a panel that breaks 5 years down the line can even be replaced.
I always look what somting cost on a day base.
example. solar panel costs 100 euros. 100:12=8.3 euros : 30days =0.28 cents a day. and then see how long the panel has worked. Amazon warranty 30 days if it survives then it will continue to work. There is no guarantee against broken glass due to hail or stones. There is no guarantee of a hotspot through a window or water droplets through the sun. The only guarantee you have is that it will last for so many years with a certain output power.
So no i do not care about the warranty.
For the rest if a panel break thanks to sun , water , frozen , burn
The insurance will pay for the panel.
I have a all no risk polis insurance .
I have to its a boat means it have to have this insurance.
If a boat sink in my country that boat have to pull out of water wy the law.
House in my country its a option to have a insurance like that.
But its so cheap that you can have insurance for just 360 euro for a year .
So even a tv falls down you can claim it.
But the insurance do look how old it is and how long its use.
But if its old normal you always have 25% of the new price.