Insurance premiums keep climbing, and the right upgrades can help bring them down. Many of our clients ask whether Hardie board can lower their insurance, and the answer is that it often does. Because Hardie board is fireproof fiber cement, some insurers offer a rate reduction for installing it. Your exact savings will depend on your provider.
Why Insurers Reward a Fireproof Exterior
Insurance pricing comes down to risk. The less likely your home is to suffer a costly claim, the more room an insurer has to offer you a better rate.
Fiber Cement is a Fireproof Material
Hardie board is made from fiber cement, which does not burn under normal conditions. That fireproof quality lowers the fire risk on your property.
Fire is one of the most expensive claims an insurer can face, so some companies reward that lower risk with a reduction in your premium.
- Fiber cement resists ignition and slows the spread of flames
- The benefit covers your whole exterior, not a single wall
Key Takeaway: A fireproof exterior is one of the few upgrades that can make your home safer and potentially cheaper to insure at the same time.
The Same Break You Get for a Storm-Resistant Roof
This works much like roofing. When you install a storm-resistant panel or shingle, your insurance company often gives you a break compared to a non-storm-resistant roof.
A fireproof exterior can earn the same kind of credit, and many carriers factor that protection into your rate.
Need help deciding if Hardie board is right for your home? Contact Thermal King for a free consultation.
What Determines Your Savings
Not every homeowner sees the same discount, and we are always upfront about that. The size of your savings depends on the company you work with and the coverage you carry.
Does Hardie Board Lower Insurance for Every Home?
Not always. We cannot promise every insurer offers this reduction, and some may not provide it at all. What you receive, if anything, is set by your specific policy.
Talk to Your Agent for the Specifics
The most reliable way to learn your exact savings is to ask. Your agent can tell you precisely what your insurance company offers for a fireproof material like Hardie board.
Pro Tip: Before you start your siding project, call your agent and ask:
- Does my policy include a discount for fire-resistant materials?
- If so, how much could I save?
Knowing the answer helps you plan your budget with confidence.
The Bottom Line on Hardie Board and Insurance
For many homeowners, the savings are worth pursuing. Here is where things stand.
What We Know for Sure
Hardie board is a fireproof fiber cement product, and that quality can lower your fire risk in the eyes of an insurer. Some companies pass those savings on to you, much like they do for a storm-resistant roof. The exact discount depends on your provider, so your agent has the final word.
Get a Free Consultation with Thermal King
Our team has the experience to install Hardie board correctly and help you get the most from your investment. Contact Thermal King today to schedule your free consultation and see how much Hardie board could lower your insurance while giving your home a lasting upgrade.
