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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.

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.

If you need to insulate behind finished walls, the best option will likely be to have an insulation professional install blown-in insulation. The installation requires small holes cut in your wall, after which the installer can blow loose-fill insulation into the void. After the installation, you’ll have minor drywall patching, which shouldn’t cost more than $100. Compared to ripping down the existing drywall, using a different type of insulation, and replacing and finishing the drywall, this should save you hundreds or even thousands, depending on the size of the room you’re insulating.

Structural insulated panels and rigid foam boards have the highest R-value of any insulation that contractors commonly use, with R-values reaching up to around 8.0. These types of insulation are best in extremely cold climates, but they’re generally preferred for new construction, as they can be challenging to retrofit. Blown-in and loose fill insulation provide the next best insulative value, provided the installation is done properly. It’s important to choose an insulation type that meets your needs based on climate, as maximizing R-value may not always be financially worthwhile if you live in a moderate climate.