ABSTRACT Silica-coated limestone (SCL) microcapsule was synthesized and successfully introduced into acrylic resin to produce fire-retardant coatings. SCL microcapsules were prepared by encapsulating limestone granules with silica nanoparticles using epoxy resin as a binder. The morphology and the chemical composition of the SCL microcapsules were confirmed by scanning electron microscopy (SEM) and Fourier transform infrared spectroscopy (FTIR), respectively. The performance of SCL microcapsules on mechanical, flame retardant and thermal stability of the coatings was thoroughly investigated using FTIR, SEM, thermogravimetric analysis (TG), smoke density test, adhesion pull-off test, pendulum damping test and cone calorimeter test. The results shows that while the adhesion strength, pendulum hardness and limiting oxygen index (LOI) increased remarkably, the values of flame spread ratings (FSR), specific optical density (ODs), heat release rate (HRR), total heat release rate(THRR), smoke production rate (SPR) and total smoke production rate (SPR) decreased significantly with the introduction of SCL microcapsules. The TGA results confirm that incorporation of SCL microcapsules increases the thermal stability and boosts formation of large char layers.