Get matched with top siding pros in Papillion, NE

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 plan to stain or refinish your home's cedar siding every three to seven years to maintain its appearance and provide maximum protection, though some estimates suggest a range of four to six years. The exact frequency depends on several factors, including your local climate, exposure to severe weather like direct sunlight, rain, and wind, the quality of the initial stain application, the type of stain used, and the overall condition and quality of the wood.

For homes in harsh climates with high humidity and significant sun exposure, you should plan on staining as often as every three years, while those in milder locations may only need to do so every seven years. For the longest-lasting protection in particularly harsh climates, consider using an opaque stain.

If you are looking for a lower-maintenance alternative, you might consider vinyl or aluminum siding. While the initial installation cost can be higher, they do not require as much upkeep and can offer more value over time, especially in areas with excessive rainfall or high humidity.

Though vinyl siding is affordable, the material may not last as long or look as good as other siding materials. For example, wood siding has a beautiful, natural appearance but requires much more maintenance to keep your siding looking as good as new. 

Fiber cement siding is another alternative that mimics the appearance of wood siding. Like vinyl siding, fiber cement is a low-maintenance material, but it does come at a higher price and is heavier and more difficult to install. Weigh the pros and cons of all siding materials before you decide on the best option for your home.

The average cost to install stucco siding on a home is around $5,700, with most homeowners paying between $2,200 and $9,100. However, the total cost can range from $750 to as high as $22,750 depending on several factors. On average, you can expect to pay between $7 and $9 per square foot. Key cost factors include the size and complexity of your home, the desired color and texture, labor and material costs in your area, and whether you have a multi-story home. Specific applications have different costs, such as adding stucco over brick ($7 per square foot) or over wood siding ($8.50 per square foot). To save money, you can consider removing the old siding yourself or scheduling the installation during the off-season.