Do you live in Metro Atlanta or other parts of Georgia? Does your home have stucco siding? If so, you may find the following information helpful regarding insurance for stucco homes in Georgia.
What is stucco siding?
Stucco is a cement-type siding that is made from combining water, lime, Portland cement and sand. It can be a very durable option for siding on a home, providing good insulation and energy efficiency. There are two main types of installation that are commonly found on residential homes. The first is “Traditional”, which is sometimes also called “Hard-Coat”. This is applied using 3 coats over a mesh base around the building. The second type is External Insulation and Finishing Systems, commonly abbreviated as EIFS. EIFS includes several different layers of synthetic materials with a finishing coat on the exterior to give it the traditional stucco look. There a pros and cons to both, which you can easily find many articles on with a simple internet search.
What Should I Consider Regarding Insurance for Stucco Homes in Georgia?
Regarding your homeowners insurance, there are a couple different things you may want to consider with a stucco home. One of the questions we get asked is if a stucco home will be more or less expensive to insure. The answer is that it really depends on the specific situation, and what other types of siding you are comparing it to. Are you looking at hard-coat or EIFS, and are you comparing the cost to a similar brick home or maybe one with vinyl siding? These different factors can have an impact on the pricing of your homeowners insurance. We also get questions regarding EIFS stucco siding and whether every company accepts it. The quick answer is that, we have seen some companies in the past that will not insure a home with EIFS stucco siding. However there are many that will and we would be happy to see how we can help.
Whatever type of siding you have, you will want to make sure it is in good condition. That is something just about any insurance company will require. A home inspection, and even more specifically a stucco inspection could end up preventing a lot of headaches.
Let Us Help!
If you have any questions about insurance for a stucco home, or you are interested in getting quotes, please feel free to contact us. You can call us at 404-781-9415, or use the form on this page to have one of our representatives contact you. As an independent agent offering homeowners insurance and serving Atlanta & Georgia we would love to see how we can help you.
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