Construction Classes Guide
Explore the 6 building construction classes that determine your property insurance premiums. Click any class to view detailed specifications, fire behavior analysis, and premium impact.
From highly combustible wood frame (Class 1) to fire-resistant concrete construction (Class 6)
Construction Classes
Premium Difference (Class 1 vs 6)
Years of Claims Data
Construction Classes Overview
Click on any construction class to view detailed information about its characteristics, fire behavior, and insurance premium impact.
Class 1
Wood Frame Construction
Highest Risk
Class 2
Non-Combustible Construction (Wood Roof)
High Risk
Class 3
Masonry Non-Combustible Construction
Moderate Risk
Class 4
Masonry with Steel Frame Non-Combustible
Low Risk
Class 5
Steel Frame with Protected Steel
Very Low Risk
Class 6
Steel and Concrete Non-Combustible (Fire-Resistive)
Lowest Risk
Key Insights
Why Construction Matters
- • Fire resistance directly correlates with loss severity
- • Replacement costs vary dramatically by construction type
- • Fire spread potential increases with combustible materials
- • Recovery time differs between construction types
- • Historical data proves construction's impact on losses
Premium Range Overview
- Class 1 (Wood):$3.50-$5.00/100
- Class 2 (Masonry/Wood):$2.00-$3.00/100
- Class 3 (Masonry):$1.50-$2.25/100
- Class 4 (Steel):$1.10-$1.60/100
- Class 5 (Modern):$0.75-$1.10/100
- Class 6 (Concrete):$0.65-$1.00/100
Know Your Building's Classification
Understanding your construction class helps you evaluate property investments and manage insurance costs effectively.
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