It would not have to cover the full cost of the panels, assuming the panel life exceeds the battery life,
Short of physical damage, panels will outlast most of us actually posting here...
There's a lot of nonsense floating around the net (mostly coming from the US, which is notoriously antisolar) about short panel lifespans, with claims they won't last long enough to payback their cost...
(well the US does have insanely expensive solar compared to elsewhere lol- but not THAT expensive to make this claim true)
You will often hear 15, 20, 25 years as the lifespan of a panel- complete and utter (what comes out of the south end of a northbound male bovine...)
Any even half decent quality panel will have an 'output guarantee' which is usually 25 years at 80-90% depending on quality...
Many take this to mean that they last 25 years- which is nonsense...
What it means is that after 25 years, they guarantee to be still putting out MORE than the figure specified- in actuality, there are panels approaching the half century mark and still producing 60-70% or better!!!!
Indeed the very first set of panels I bought were in the early 80's, (1kw) and they are STILL in use at an ex neighbours and close to 70%...
My mothers set on the house for the gridtie (1997) are still well up over 80%, as are my uncles set (installed in 1999, on one of the Sydney Olympic houses built to house the athletes and sold of afterwards)- his are still up near 90%...
Panel life isn't likely to be an issue lol