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Composite siding has excellent insulative properties and one of the highest R-values of siding materials available. Its R-value is 2 to 4; compare that to vinyl, wood, and fiber cement—all of which have R-values under 1. You can boost your siding’s R-value by installing a layer of foam insulation. 

OSB is a common material used in sheathing, so when OSB prices go up, so does the cost of sheathing. Depending on the economy and supply chain, increased costs can reduce demand, though some homeowners proceed with their projects despite the elevated expenses.

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.

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.