Brick Vs Siding Insurance

Brick is ultimately a more durable product that adds value to a homes curb appeal as it does to insulation as well.

Brick vs siding insurance.

Both brick and stone are considered to be on the expensive side of building materials. Some insurance companies will offer a discount for brick homes. Cement fiber siding concrete stucco and stone and brick veneer are more resistant to a home fire. A brick wall also has much higher impact resistance than a stucco wall.

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. In most cases the premium for a wood frame home is higher than one which is more fire resistant. A one inch layer of stucco typically has a one hour fire rating. Homeowners insurance rates can vary based on a variety of factors.

The superior fire resistance of brick siding can lead to lower insurance premiums. Vinyl siding is much cheaper to install than brick but this is primarily because vinyl siding was created to compete with wood siding. It will resist a fire longer than vinyl 8 for example but will succumb to the flames much sooner than a brick masonry wall. One of those factors is the makeup of the exterior walls of the home.