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While vinyl is the less expensive option, composite siding has been known to be more durable than vinyl. In addition, because it is made from recycled materials, it is a more ecologically-friendly choice. Composite siding is also more luxurious looking and comes in a much wider range of styles and colors.

You should restain or refinish your home's cedar siding every three to seven years to maintain its appearance and ensure maximum protection. The precise frequency depends on several factors, including your local climate, the siding's exposure to severe weather like direct sunlight, rain, and wind, the quality of the initial stain application, the type of stain used, and the condition of the wood.

Homeowners in harsh climates with high humidity and significant direct sunlight should plan on restaining every three years, while those in milder locations can wait up to seven years. For the longest-lasting protection in particularly harsh environments, consider using an opaque stain.

If you're looking for a lower-maintenance alternative, vinyl or aluminum siding are options to consider. Although their installation cost may be higher, they don't require as much upkeep over time, which can provide more value, especially in areas with excessive rainfall or high humidity.

Choosing siding combinations that look good together comes down to finding textures and colors that complement each other. You want some contrast so that your home doesn’t look boring or too uniform, but you also want the materials to play off of each other so that each makes the other stand out. It’s a good idea to hire a siding professional to create 3D renderings for you so you can get a sense of what your home will look and feel like before you get started.

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.