It can, but the savings are not guaranteed. Fiber cement is noncombustible and resists fire, hail, and pests, which some insurers view as lower risk. Discounts depend on the insurer, your location, and the rest of your home’s risk profile.
What to do:
- Ask your insurance agent directly if siding material affects your rate
- Provide documentation, such as the installation invoice and product details
- Ask about discounts for fire-resistant or impact-resistant materials
- Compare quotes from more than one insurer after the upgrade
Do not count on insurance savings to pay for the project. Treat any discount as a bonus, and confirm it before you buy. To explore materials and installation, visit our exterior siding services page or get a quote for a fiber cement project. Our guide to fiber cement siding covers the material in more detail.