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For homeowners looking for a less expensive alternative to metal siding, the most popular choice is vinyl siding. At just $3 to $12 per square foot, vinyl siding can cost much less than some types of metal siding. Other popular alternatives include fiber cement and engineered wood. Consult a local siding contractor to determine which type of siding will work best for your home.

Homeowners insurance may cover the cost of siding repair or replacement, but coverage depends on the cause of the damage. Most policies will cover damage from a covered event, such as a storm, wind, hail, fire, natural disaster, or other impact damage. Your policy might pay for the full or partial cost of the repair or replacement. However, damage resulting from age, general wear and tear, or neglect is typically not covered, and you should expect to pay for those repairs out of pocket. It is best to review your specific homeowners insurance policy for full details on what is covered, how to file a claim, and what documentation is required.

Yes, after the initial expense to purchase and install it, vinyl siding offers a good value over time because it requires very little maintenance and lasts a long time. In terms of how long vinyl siding lasts, you can expect at least 20 years and up to 60 years of performance.

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.