Furthermore, there is the matter of fire insurance, not a large
one, but growing in the course of years to an appreciable sum. The
reason for better insurance rates on the brick house is one that
makes the strongest appeal to a man, and that is, safety from the
fear and fact of fire, protection for himself and family from a
justly dreaded misfortune. Acting on this reason, the insurance
company will put from 19 to 37 per cent higher rate on a frame or
stucco than on a brick house. Besides, you can carry 20 per cent
less insurance on the more substantial structure.