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Hardie board is more expensive than vinyl siding. Vinyl siding costs $3 to $12 per square foot, on average, with cost skewing toward the lower end of that range. Hardie board siding costs $7 to $18 per square foot, depending on the style, color, and trim. However, it lasts twice as long and often looks nicer, meaning you’ll see a higher bump in your home value and greater curb appeal from Hardie board.

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.

If you’re wondering how to clean clapboard siding, the approach depends on its material and condition. Siding in good shape may need only light soap and spray from the hose, while older siding often requires more thorough treatment. For serious cleaning, power washing can remove caked-on dirt, but you should consider hiring a professional to avoid causing damage in the process.

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.