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Hardie board is more expensive than vinyl siding. Vinyl siding costs $3 to $12 per square foot, on average, with cost skewing toward the lower end of that range. Hardie board siding costs $7 to $18 per square foot, depending on the style, color, and trim. However, it lasts twice as long and often looks nicer, meaning you’ll see a higher bump in your home value and greater curb appeal from Hardie board.

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.

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.

The best types of siding to withstand hail are fiber cement siding and engineered wood siding. Fiber cement siding is known for impact resistance, while some brands of engineered wood siding can withstand hail as big as 1 and 3/4 inches with no marks. Vinyl and aluminum siding are the most susceptible to hail.