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Both vinyl and metal are very popular siding options, and it’s important to weigh the pros and cons of each before making a decision for your home. Vinyl has a lower price point than metal and is easier to install, but metal siding is more durable, longer-lasting, and requires much less maintenance. The upfront costs could save you money in the long run.

While homeowners' insurance can include coverage for siding, general wear and tear of siding is not covered. If your siding is rotting—especially because you haven’t kept up with proper siding maintenance—replacement siding will likely not be covered by your homeowners' insurance policy. Instead, insurance generally covers siding repair or replacement if your siding has been damaged by extreme weather, vandalism, fire, or some kind of collision, like by a vehicle.

There should be small gaps between your roof and the walls of your home, and other buildings. These small gaps let building materials shift, expand, and contract with weather and other outside forces, and they prevent moisture from wicking down walls from roofing and gutter systems. Without these strategic gaps, your home’s exterior and its finishes can sustain water damage, decay, peel, delaminate, and crack. However, there is a fine line between a smart gap and a problematic gap—all  gaps should be small, intentional, and covered or filled in with foam insulation to prevent pests from using them as access points.

As stunning and natural as stone siding is, it's not for everyone. Some popular siding alternatives to stone siding include:

• Aluminum siding

• Brick veneer siding

• Engineered wood siding

• Fiber cement siding

• Wood siding

• Vinyl siding

If you want the look of natural stone siding without the high material and installation costs, vinyl siding may be one of the best alternatives. It’s lightweight, low-cost, and low maintenance but does have a lower life span than natural stone.