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Yes, you can apply the stucco yourself, but it is a time- and labor-intensive project, especially on the exterior of a whole house. DIY stucco is better suited for repairing stucco siding or siding a smaller building, such as a shed or garage. Since most of the cost of stucco siding goes to labor, you can cut down significantly on the total if you’re up for the challenge.

The length of time shouldn’t matter much if you stick with lightweight Christmas lights and similar decorations. Those shouldn’t pose risks to your stucco. You should avoid attaching anything to your stucco that could fall because it’s too heavy, which may take part of the stucco with it. Some methods, like using double-sided tape or adhesive hooks, will naturally wear out over time and lead to falling lights, so don’t expect to leave these lights up year-round.

German schmear is a durable brick masonry coating. It should last at least a decade or two without flaking or fading, even with minimal maintenance. This makes it an economical option compared to the cost of painting your house exterior, which usually needs to be repainted every five to 10 years to keep it looking its best—thus costing more over the same time period.

Homeowners insurance may cover the cost of siding repair or replacement, but coverage depends on the cause of the damage. Most policies will cover damage from a covered event, such as a storm, wind, hail, fire, natural disaster, or other impact damage. Your policy might pay for the full or partial cost of the repair or replacement. However, damage resulting from age, general wear and tear, or neglect is typically not covered, and you should expect to pay for those repairs out of pocket. It is best to review your specific homeowners insurance policy for full details on what is covered, how to file a claim, and what documentation is required.