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Yes, you can mix siding types to create a unique design. However, it requires thoughtful planning to execute properly. The installation process will also be more time-consuming than if you were to choose either vertical or horizontal for the entire home, so it will cost you more in labor and design costs. 

Vinyl siding lasts between 20 and 40 years, on average, but the timeline depends on the quality of the product you install, whether or not your siding professional installs the siding properly with room for expansion, the climate in your area, and more. With good maintenance on a high-quality siding in a moderate climate, you could get 50 years or more of life out of your vinyl siding.

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.

You can put new siding over clapboards, but it’s not recommended. Some sidings, like vinyl siding, can go over clapboards with sheathing like a foam layer in between. However, it’s best to remove clapboard siding if you plan on replacing it with new siding. Burying wood clapboards underneath new siding can create risks of rot and mold, or hidden insect damage. It can also create warping issues over time. Removing clapboards allows you to properly install a new sheathing, as well as clean up the exterior wall and look for any signs of damage.