There is another detailed thread on this topic, which will provide all the information you need. But, having a stucco house has nothing to do with needing a termite contract. However, $146 seems a little high unless you have a very large house, or the contract covers more than just subterranean termites. My Massey contract is only about $90 per year for the subterranean termites, and probably all you need. The contract will be valuable if you sell the house because you can use it to prove to the buyer that the house is free from termites.
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