Houses with solar panels, depending on how many, are able to use them during the day to supply a lot of their electricity. Most, I believe, don’t need grid power at all during a sunny day. There isn’t a way, at least not yet, for that power to be stored in order to use later though, so they still require grid power at night or when it’s too cloudy.
If your solar panels are tied into the grid, then you lose power when the grid goes down. Grid connected systems do not directly power the home. They supply power directly to the utility company, and that value is removed from your bill.
You would have to have a home battery system and have someone with the electrical know-how to reroute your power from the grid to the batteries.
Depending on how much sun you’re getting, you may have enough power to run entirely from solar assuming you’re not using too much electricity (air conditioning, microwave oven, TV + surround sound system, sick gaming computer, etc). As others have said batteries let you store power in case of the occasional need, the occasional cloud obstructing the sun, etc. Tesla sells a giant battery called the “Power Wall” roughly sized that it could power your home all night or day.
When the power goes out, there’s a rule though. You can’t feed power back into the grid from your solar panels – you must cut yourself off from the grid first. People may be working on the power lines and expect them to be shut down. Those same voltage transformers that turn 50,000 volts on the big lines down to 120 volts at your home will do the reverse as well if you’re putting power into the lines. So you’re required to have something capable of cutting off the outside feed when it shuts down if your house is to stay powered. If your system can’t do that (and some can’t) a power outage still takes out power in your own home.
It depends on the inverter but generally no, most solar PV installations can’t. The feature is called “islanding” since it means you continue to operate as an island with power while surrounded by blackout.
In normal operation inverters need to precisely match their 60 Hz output with the grid and they do this simply by monitoring the grid. With no grid power they can’t do this with their normal circuitry and software so islanding requires extra hardware and software.
More importantly, islanding requires that your house be isolated from the grid, since you obviously can’t power it all with your inverter. For safety reasons inverters are required to disconnect from the grid as soon as power goes down; otherwise you could electrocute the linesmen coming to fix a fault. So islanding requires that inverters can power the house power separately from powering the grid which means substantial extra high-power components.
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