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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.

Yes, basement insulation needs a vapor barrier due to its susceptibility to moisture seeping in from the outside of the house. You should install a moisture barrier before you install insulation or purchase insulation that comes prebuilt with a moisture barrier to avoid water damage in your insulation and costly mold and water remediation expenses. 

Vapor barriers in attics are a bit outdated and most areas no longer recommend them for attic spaces. For vented attics, the best method is usually to install drywall and cover it with latex paint before attaching insulation fiberglass, cellulose, or foam insulation. When renovating an attic to use as a living space, a contractor can guide you on the best way to cover insulation.

The time required for insulation installation can range from a few hours to a few days, with most projects taking 1-3 days to complete. The final duration depends on the project's size and complexity, the area size, and the type of insulation being installed.