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While vinyl is the less expensive option, composite siding has been known to be more durable than vinyl. In addition, because it is made from recycled materials, it is a more ecologically-friendly choice. Composite siding is also more luxurious looking and comes in a much wider range of styles and colors.

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.

Composite siding is very resistant to warping that can affect some other sidings. Because of its composition, this siding doesn’t have the same risks of moisture damage that can cause rotting, buckling, and warping. Composite material doesn’t warp in high temperatures the way some kinds of vinyl siding can.

That said, composite siding is not entirely immune from moisture damage. It should still be properly installed so that moisture can properly drain from behind the siding, and protected by eaves and clean gutter so the siding doesn’t get repeatedly soaked by rain, which could lead to damage.

Generally speaking, the thicker the siding, the higher the quality. Thicker siding provides a stronger resistance against extreme weather conditions. Thicker siding also tends to fade more slowly under the sun. Hardie boards, a popular fiber cement siding option, is usually 5/16 inches thick. Meanwhile, masonry-finished cement siding varies from 5/8 to 5/8 inches thick.