Brick Vs Siding Insurance

In most cases the premium for a wood frame home is higher than one which is more fire resistant.

Brick vs siding insurance.

A one inch layer of stucco typically has a one hour fire rating. Although brick construction is generally sturdier whether or not this drives premiums down depends on the location of the property among other factors. Homeowners insurance rates can vary based on a variety of factors. A brick wall also has much higher impact resistance than a stucco wall.

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. Brick is ultimately a more durable product that adds value to a homes curb appeal as it does to insulation as well. It will resist a fire longer than vinyl 8 for example but will succumb to the flames much sooner than a brick masonry wall. 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. Vinyl siding is much cheaper to install than brick but this is primarily because vinyl siding was created to compete with wood siding. One of those factors is the makeup of the exterior walls of the home. The superior fire resistance of brick siding can lead to lower insurance premiums.