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Whether or not your homeowners insurance covers EIFS stucco siding depends on the insurance company and the specifics of the policy. Some insurance companies will not cover EIFS due to its susceptibility to moisture damage, and some companies will only cover EIFS manufactured and installed after a certain date, since newer systems mitigate potential damage concerns better than older ones.

Vinyl siding is the cheapest option in terms of upfront costs. The average cost to install vinyl siding is around $12,173, with certain types like vinyl shake, clapboard, or dutch lap costing as little as $2 to $3 per square foot. While vinyl is very low-cost, it may not last as long as natural materials or metal, with a typical lifespan of 20 to 40 years. In contrast, metal siding is more expensive initially but can save you money in the long run due to its longer lifespan, which is often double that of vinyl. It's recommended to consult a siding professional to determine if the lowest-cost option is the best material for your specific home.

The lifespan of vertical siding depends on the type of material used and whether it’s properly maintained. For instance, vinyl siding can last between 20 and 30 years, while fiber cement siding can last up to 50 years. Remember that the type you choose will depend on how much maintenance it will require to prolong its longevity. 

Hail as small as 3/4 inch (about the size of a penny) can cause damage to your siding. When hail reaches 1 inch in size, you can expect to see more cracks, chips, and holes, and hail that’s 1 and 1/4 to 1 and 1/2 inches around will cause significant damage. If you see hail that’s 1 and 1/2 inches to 2 inches or more in size, the damage is likely to be extensive and possibly even dangerous.