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Stucco applied over brick can last 30 to 50 years or more when correctly applied and properly maintained. Stucco’s lifespan can be shortened by improper application, incorrectly mixed material, lack of preparation before application, and lack of maintenance. To get the most life out of your stucco siding, keep up with maintenance and repair any damage as soon as you discover it. 

The average cost of stucco siding is $5,400, ranging from $2,200 to $8,840. Stucco is worth the investment, provided you have the work done by a professional. Not only is stucco an attractive and durable siding material that boosts your home’s curb appeal, but it’s also more energy-efficient than most other siding options, it’s fire-resistant, water-resistant, and more affordable to repair down the road.

All of the components of stucco are non-combustible, so the siding material won’t ignite or spread fire to the interior of your home. However, it also expands and contracts with changes in temperature, so it will crack from long exposure to heat. Eventually, fire will spread through those cracks. Still, stucco is one of the best siding materials for fire protection and can keep you and your family safe for an hour, on average.

Homeowners insurance may cover the cost of siding repair or replacement, but coverage depends on the cause of the damage. Most policies will cover damage from a covered event, such as a storm, wind, hail, fire, natural disaster, or other impact damage. Your policy might pay for the full or partial cost of the repair or replacement. However, damage resulting from age, general wear and tear, or neglect is typically not covered, and you should expect to pay for those repairs out of pocket. It is best to review your specific homeowners insurance policy for full details on what is covered, how to file a claim, and what documentation is required.