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The average cost to install stucco siding on a home is around $5,700, with most homeowners paying between $2,200 and $9,100. However, the total cost can range from $750 to as high as $22,750 depending on several factors. On average, you can expect to pay between $7 and $9 per square foot. Key cost factors include the size and complexity of your home, the desired color and texture, labor and material costs in your area, and whether you have a multi-story home. Specific applications have different costs, such as adding stucco over brick ($7 per square foot) or over wood siding ($8.50 per square foot). To save money, you can consider removing the old siding yourself or scheduling the installation during the off-season.

Homeowners insurance may cover the cost of siding repair or replacement, but coverage depends on the cause of the damage. Most policies will cover damage from a covered event, such as a storm, wind, hail, fire, natural disaster, or other impact damage. Your policy might pay for the full or partial cost of the repair or replacement. However, damage resulting from age, general wear and tear, or neglect is typically not covered, and you should expect to pay for those repairs out of pocket. It is best to review your specific homeowners insurance policy for full details on what is covered, how to file a claim, and what documentation is required.

Some homeowners use caulk on the edges of clapboard siding to help seal it. However, this method invites new problems. With so many gaps sealed, clapboard siding is often unable to drain properly and moisture from rain or other sources can build up inside. This can lead to rot and other issues over time. When repairing clapboards, it’s best to avoid caulking the final product. The exception is trim around windows and doors, which should be caulked to avoid moisture problems.

The cost of wood siding varies by the type of wood. Engineered wood siding tends to be in the middle of typical costs ($3 to $7 per square foot for materials). Hardwoods, for instance, can cost $5 to $20 per square foot for materials alone, but cedar wood can be as cheap as $3 per square foot.