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On it own, aluminum siding has a relatively low insulation value (also called R-value); aluminum siding has an R-value of 0.61. However, you can purchase insulated aluminum siding to increase the R-value to between 2 and 5. You can also install additional insulation within your walls to help maintain temperatures within your home. On average, insulation costs $1,825 to install throughout the typical home.

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.

Yes, after the initial expense to purchase and install it, vinyl siding offers a good value over time because it requires very little maintenance and lasts a long time. In terms of how long vinyl siding lasts, you can expect at least 20 years and up to 60 years of performance.

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.