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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.

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.

Insulated vinyl siding is very durable and can last for 20 to 40 years. The extra support that the insulation provides helps to make the vinyl siding less susceptible to damages from weather and other minor wear and tear. Vinyl siding on its own may  be less durable than other types of siding like fiber cement, but when coupled with insulation it is stronger than usual.