I will say that our insurance company threw us a couple of bones in recent years. Once when we hit a Magic age of 0LDE, was it age 55? 60? Our car rates went down. And then when they discovered that our Herman house had asbestos siding rather than vinyl siding, they gave us a price reduction Presumably because it doesn’t dent in hail or it’s just sturdier. We’ve replaced it with Hardieboard which I’m guessing is still low cost because it’s not vinyl.