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Composite siding, with proper care, can last 30 years and sometimes more. Because its color has a tendency to fade, you might want to re-paint it every five years or so. Before purchasing composite siding, check the manufacturer’s warranty—you should have a long-term warranty to back up the quality of the product.

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.

The lifespan of siding ranges from 20 to over 100 years, depending heavily on the material, climate, quality of installation, and maintenance.

• Vinyl, Wood, and Aluminum: Typically last 20 to 40 years. Engineered wood may need replacement after just 20 years.

• Fiber Cement: Lasts around 50 years.

• Brick and Stone: These are the most durable, lasting for a century or more with proper care.

The longevity of any siding can be shortened if it's not properly maintained or if damage is not repaired promptly. Regular cleaning is vital. It's time for a replacement when you see widespread damage, signs of water intrusion, or a spike in energy costs.

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.