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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.

Fiber cement siding is the best siding to install over stucco because it offers many of the same benefits for homes where stucco is common, including fire resistance, insect resistance, and good insulation. Fiber cement siding is also rigid, so it won’t warp over time like vinyl siding might if installed over furring strips.

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.

Siding and cladding are two popular exterior wall coverings that protect homes from the elements and provide insulation, but they differ in design and application. Siding is applied directly to a home’s exterior, providing some insulation and basic shielding from the elements. In contrast, cladding is installed indirectly over furring strips, creating a ventilated air gap for enhanced insulation and moisture control.