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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.

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 average cost to install vinyl siding is about $12,200, with a typical price range of $6,400 to $18,300. The total project cost can be as low as $1,500 or exceed $30,000 depending on factors like home size and local labor rates.

The cost includes materials, which range from $3 to $12 per square foot, and labor, which ranges from $2 to $5 per square foot. Costs also vary by the type of vinyl siding:

• Clapboard or Dutch lap: $2–$7 per square foot

• Vertical: $5.50 per square foot

• Scallop: $5–$10 per square foot

• Shake: $6.50 per square foot

• Vinyl log: $4 per square foot

• Insulated vinyl: $8 per square foot

You can save on labor costs by installing it yourself, but this requires expertise and specialized tools like cutting tools, ladders, and scaffolding.

Vinyl is lightweight, easy to install, durable, and long-lasting, and as long as a professional installs it, it should remain waterproof for several decades to keep your home protected. It can hold out against extreme weather conditions, and it doesn’t make a nice home for any sort of insects. Plus, vinyl is affordable and comes in a variety of looks and colors. When it comes to board and batten siding, vinyl is one of the most affordable material options.