Construction Classes Guide
Explore the 6 building construction classes that determine your property insurance premiums.
6
Classes
5x
Premium Range
100+
Years Data
Construction Classes Overview
Click on any class to view detailed characteristics, fire behavior, and premium impact.
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Class 1
Wood Frame Construction
Highest Risk
Premium Range$3.50-$5.00
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Class 2
Non-Combustible Construction (Wood Roof)
High Risk
Premium Range$2.00-$3.00
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Class 3
Masonry Non-Combustible Construction
Moderate Risk
Premium Range$1.50-$2.25
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Class 4
Masonry with Steel Frame Non-Combustible
Low Risk
Premium Range$1.10-$1.60
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Class 5
Steel Frame with Protected Steel
Very Low Risk
Premium Range$0.75-$1.10
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Class 6
Steel and Concrete Non-Combustible (Fire-Resistive)
Lowest Risk
Premium Range$0.65-$1.00
Key Insights
Why Construction Matters
- •Fire resistance correlates with loss severity
- •Replacement costs vary by construction type
- •Fire spread increases with combustible materials
- •Recovery time differs between types
Premium Ranges (per $100)
- Class 1 (Wood)$3.50-$5.00
- Class 2 (Masonry/Wood)$2.00-$3.00
- Class 3 (Masonry)$1.50-$2.25
- Class 4 (Steel)$1.10-$1.60
- Class 5 (Modern)$0.75-$1.10
- Class 6 (Concrete)$0.65-$1.00
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