Brick Vs Siding Insurance

A one inch layer of stucco typically has a one hour fire rating.

Brick vs siding insurance.

Most texas home insurance companies will write a policy on a home with wood or cement fiber siding as well as one made of stucco brick and stone veneer. A brick wall also has much higher impact resistance than a stucco wall. Vinyl siding is much cheaper to install than brick but this is primarily because vinyl siding was created to compete with wood siding. Both brick and stone are considered to be on the expensive side of building materials.

Homeowners insurance rates can vary based on a variety of factors. Cement fiber siding concrete stucco and stone and brick veneer are more resistant to a home fire. Some insurance companies will offer a discount for brick homes. Brick is ultimately a more durable product that adds value to a homes curb appeal as it does to insulation as well.

The superior fire resistance of brick siding can lead to lower insurance premiums. Although brick construction is generally sturdier whether or not this drives premiums down depends on the location of the property among other factors. The reason it may not directly save you money versus a vinyl siding is because of the cost of the materials typically a brick house is going to have a higher cost associated with it so your overall policy limits would proportionally increase and so does your premium. One of those factors is the makeup of the exterior walls of the home.