Brick Vs Siding Insurance

Cement fiber siding concrete stucco and stone and brick veneer are more resistant to a home fire.

Brick vs siding insurance. The superior fire resistance of brick siding can lead to lower insurance premiums. 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. Both brick and stone are considered to be on the expensive side of building materials. One of those factors is the makeup of the exterior walls of the home.

It will resist a fire longer than vinyl 8 for example but will succumb to the flames much sooner than a brick masonry wall. A one inch layer of stucco typically has a one hour fire rating. 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. Vinyl siding is much cheaper to install than brick but this is primarily because vinyl siding was created to compete with wood siding.

The average sized home can cost between 25 000 and 55 000 for standard brick siding and 27 000 to 80 000 for standard stone. Homeowners insurance rates can vary based on a variety of factors. A brick wall also has much higher impact resistance than a stucco wall. In most cases the premium for a wood frame home is higher than one which is more fire resistant.