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.

Some insurance companies will offer a discount for brick homes. The superior fire resistance of brick siding can lead to lower insurance premiums. It will resist a fire longer than vinyl 8 for example but will succumb to the flames much sooner than a brick masonry wall. Brick is ultimately a more durable product that adds value to a homes curb appeal as it does to insulation as well.

Homeowners insurance rates can vary based on a variety of factors. Vinyl siding is much cheaper to install than brick but this is primarily because vinyl siding was created to compete with wood siding. Cement fiber siding concrete stucco and stone and brick veneer are more resistant to a home fire. One of those factors is the makeup of the exterior walls of the home.

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