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The biggest con of insulated vinyl siding is that it’s more expensive than traditional vinyl siding. If you’re hoping to save costs on your siding project, you’ll have better luck finding budget-friendly vinyl siding, which can cost as little as $2 per square foot, installed.

Fiber cement shingle siding is made from a blend of common ingredients, including cement, sand, water, and wood or cellulose fibers. The composition of the mixture varies depending on the manufacturer, however, with some makers opting to include special additives to improve longevity and resilience, and some include dyes and pigments to create custom colors that don’t require painting.

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.

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.