Homeowners insurance only covers replacement of the siding that was damaged, and will not typically pay to replace the siding on the other parts of the home. As a result, homeowners can end up with new siding on one portion of the home that looks different than the rest.

Does insurance cover wood siding?

As a general rule, your home’s rotted siding is not covered under a homeowners policy. … If you have replacement coverage (and most homeowners do), you may be able to replace the rotted wood siding on your home, with new siding that is similar in quality and cost to what was there before.

What costs are not covered by homeowners insurance?

What Standard Homeowner Insurance Policies Don’t Cover. Standard homeowners insurance policies typically do not include coverage for valuable jewelry, artwork, other collectibles, identity theft protection, or damage caused by an earthquake or a flood.