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Insulated vinyl siding is very durable and can last for 20 to 40 years. The extra support that the insulation provides helps to make the vinyl siding less susceptible to damages from weather and other minor wear and tear. Vinyl siding on its own may  be less durable than other types of siding like fiber cement, but when coupled with insulation it is stronger than usual.

Vinyl siding costs include the cost of materials, which ranges from $3 to $12 per square foot, and the cost of labor to install it, which ranges from $2 to $5 per square foot. Provided you have the expertise and all the necessary supplies, including cutting tools, ladders, and scaffolding, you can save money on this project by DIYing the installation.

Yes, you can paint vinyl siding . A fresh coat of paint gives your home an updated look without the expense of replacing vinyl siding. For the best results, look for paint with acrylic and urethane resins, as these materials adapt to the vinyl’s expansion and contraction in different weather conditions. Use a color that’s the same as or lighter than the vinyl siding’s current color, as dark colors tend to absorb too much heat, which can lead to warped or buckled vinyl.

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.