Which Is Cheaper To Insure Stucco Or Siding

Cement mixtures are cheaper than choices mixed with latex according to calfinder.

Which is cheaper to insure stucco or siding.

With adequate application and proper maintenance quality stucco have longer lifespan better resistance to severe weather conditions and much higher thermal efficiency compare to cheaper and easy to install vinyl siding. Insulated vinyl siding is more expensive at 5 00 to 12 00 per sq. The primary purpose of siding is to protect a building from the elements mainly precipitation and the negative effects of moisture. The benefits of traditional stucco come in wetter conditions as it is less likely to absorb water and be damaged by it than synthetic stucco siding.

Unfortunately there is a downside to stucco that is causing problems for many american homeowners. However the labor costs for stucco installation are substantially less than for brick siding. 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. Yet the high end insulated vinyl costs about the same as the low end of stucco at 6 00 to 12 00 per sq.

It is much better to entrust these jobs to professionals. In most cases the premium for a wood frame home is higher than one which is more fire resistant. Cement fiber siding concrete stucco and stone and brick veneer are more resistant to a home fire. So stucco is way more expensive.

So stucco is typically less expensive. Stucco costs about 6 9 square foot which is the most expensive home cladding option available. But for the basic price vinyl is cheaper although stucco usually looks a lot better than the basic vinyl siding. It is hard to say which material is better because it depends on many factors.

Cost factor cost is generally a determining factor for most homeowners. Neither stucco nor brick is an easy diy installation job. Similarly synthetic stucco is a lighter material. Stucco is very durable in fact stucco is fire resistant and able to expand and contract with the seasonal shifts so it will not sustain damage under harsh weather condition and it provides excellent insulation from severe weather.

Now the art of stucco application has been perfected making it a sought after option for homeowners who want both curbside appeal yet siding more cost effective than brick or vinyl. Traditional stucco siding will hold up better to dings hail and woodpeckers. Installed than non insulated at 3 50 to 7 00 per sq. Sure that s a pretty big negative but if it s the superior option then it s worth the price.

Stucco has a high initial cost but can last 75 years or more. According to calfinder on average stucco costs between 6 and 9 per square foot installed and prices vary based on the grade of stucco that is used. However it also serves an aesthetic purpose and can dramatically affect the value of a home.