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Insulating windows without plastic is usually the better method. Outside of simply replacing your windows, you could buy cellular shades, which trap air between the window and the home, add a window film that blocks UV rays and traps heat, or cover your windows with a low-emissivity coating called “low-E.”

Periodic checks for moisture or pest issues ensure consistent performance.

While not every wall requires a vapor barrier, if you do need one and don’t install it, moisture can get between the walls of your home. This can lead to water damage from mold growth or rot, and the excess moisture could also attract pests, including termites, cockroaches, or ants.

The primary reason that insulation saves you money over time is that it reduces your energy bills by making your home more energy efficient. A crucial part of an insulation system is a properly installed vapor barrier. Local building codes dictate whether your insulation requires a vapor barrier based on the type installed. While some high-quality wool insulation may not technically need a vapor barrier, most municipalities still require one to meet code.