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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.

You should stain your home's cedar siding every three to seven years for maximum protection and to maintain its appearance. Homeowners who live in harsh climates with high humidity and lots of direct sunlight should plan staining every three years, while those who live in milder locations can plan on seven. In particularly harsh climates, consider using an opaque stain variety for the longest-lasting protection.

Siding is one of your home’s first lines of defense against extreme weather. If you fail to repair or replace your damaged siding, your home is exposed to wind, snow, and rain—all of which can cause structural damage. Repairing your home’s structure will be much more costly and be a much bigger headache than simply keeping your siding in tip-top shape, so don’t delay—fix your siding ASAP.

On average, the cost of stucco siding is $5,600, and most homeowners pay between $2,200 and $9,100. Stucco prices depend on several factors, including labor and materials, the size and complexity of your home, your desired color and finish, and the popularity of stucco in your area. Ways to save money on your stucco installation include removing the old siding yourself and planning your installation during the off-season months.