Let’s talk about something most homeowners don’t think about until it’s too late—how your siding affects your insurance costs. If you live in San Diego, you already know wildfires are a real threat. But what you might not know is that upgrading to fire-resistant siding could actually lower your home insurance premiums. That’s right, the same siding that protects your house from flames might also put some cash back in your pocket.
Insurance companies aren’t just looking at how old your roof is or whether you’ve got a security system. They also pay close attention to your current siding. Why? Because some siding materials are much more likely to catch fire or suffer water damage, and that means more risk for them.
If your home has wood siding, for example, it might look great, but it’s also one of the most flammable options out there. On the other hand, fiber cement siding is non-combustible, which means it won’t fuel a fire. Because of that, many insurance companies offer discounts for homes with fire-resistant materials.
The exact discount depends on your insurer and where you live, but some homeowners see a 5% to 15% reduction in their premiums just by switching to fire-resistant siding. In high-risk areas like parts of San Diego County, that discount could be even higher. Over time, those savings add up—sometimes enough to cover the cost of your new siding.
Of course, saving money isn’t the only reason to upgrade. Fire-resistant siding also gives you peace of mind knowing your home is better protected if a wildfire does break out.
Not all siding is treated equally by insurance companies. Here’s a quick look at the most common types of siding and how they affect your insurance coverage:
If you’re serious about cutting your insurance costs, fiber cement siding is usually the way to go. It checks all the boxes: fire resistance, durability, and minimal maintenance.
Saving money on insurance is great, but there are other perks to choosing fire-resistant materials:
If you’re thinking about upgrading your siding to save on insurance, here’s what to do:
You might be tempted to cut costs by doing siding installation yourself, but this is one job where hiring pros really pays off. If the siding isn’t installed right, gaps or poor sealing could let flames spread, which defeats the whole purpose. Plus, many insurance companies require professional installation to qualify for discounts.
At Precision General Contracting, we’ve helped countless San Diego homeowners upgrade to fire-resistant siding. Our expert team knows how to install it right, so you get the best protection—and the biggest insurance savings.
If you’ve been putting off siding projects because of the cost, remember: the right siding could pay for itself over time with lower insurance costs. And in a place like San Diego, where wildfires are a real risk, it’s an investment in your home’s safety too.
We specialize in fiber cement siding, the top choice for fire resistance and energy efficiency. Whether you’re doing a full home remodel or just replacing your current siding, we can help you pick the best option for your budget and style.
So why wait? Call us today for a free consultation, and let’s see how much you could save. With our commitment to quality and customer satisfaction, you’ll get siding that looks great, lasts long, and keeps your home and wallet protected.
There you have it—a simple breakdown of how fire-resistant siding can lower your insurance costs. No jargon, just the facts. And if you’re ready to make the switch, you know who to call. Stay safe and save smart!