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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.

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.

There are several highly durable types of siding that you can build right on top of without removing it, with wood being one of them, provided it's in excellent condition. However, a common reason for siding replacement is to eliminate materials that are in poor condition, making installing new wood siding over old not recommended. Additionally, the cost of adding siding over existing siding can increase costs to between $7 and $13 per square foot.

While you can perform minor siding repairs or even install it yourself over small areas, it is generally best to hire a professional siding company. Siding installation is a time-consuming and complicated process that requires specialized tools and experience. Most homeowners lack the skills to ensure proper alignment, weatherproofing, longevity, and durability, especially for more complex jobs like vertical siding. The money saved on a DIY project may not be worth the time and potential risks of improper installation.