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While bleach can be effective in killing mold, it may not fully remove mold stains from siding. Additionally, bleach can be harsh and may damage certain types of siding. It's recommended to use specialized mold cleaners or natural alternatives that are safe for your specific siding material as a part of your regular siding maintenance. 

Yes, clapboard siding generally costs more compared to vinyl. The average cost for vinyl siding is between $2 and $7 per square foot. Meanwhile, clapboard siding costs $4 to $20 per square foot.

Whether or not your homeowners insurance covers EIFS stucco siding depends on the insurance company and the specifics of the policy. Some insurance companies will not cover EIFS due to its susceptibility to moisture damage, and some companies will only cover EIFS manufactured and installed after a certain date, since newer systems mitigate potential damage concerns better than older ones.

You should plan to stain or refinish your home's cedar siding every three to seven years to maintain its appearance and provide maximum protection, though some estimates suggest a range of four to six years. The exact frequency depends on several factors, including your local climate, exposure to severe weather like direct sunlight, rain, and wind, the quality of the initial stain application, the type of stain used, and the overall condition and quality of the wood.

For homes in harsh climates with high humidity and significant sun exposure, you should plan on staining as often as every three years, while those in milder locations may only need to do so every seven years. For the longest-lasting protection in particularly harsh climates, consider using an opaque stain.

If you are looking for a lower-maintenance alternative, you might consider vinyl or aluminum siding. While the initial installation cost can be higher, they do not require as much upkeep and can offer more value over time, especially in areas with excessive rainfall or high humidity.