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Yes, you can install insulation over ductwork, and doing so can save you money. Without insulation, the HVAC unit must work harder to force warm or cool air around the home, and once the air reaches the vent, it may not be the correct temperature. Insulating HVAC ducts makes your system work more efficiently, saving you money on heating and cooling bills.

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.

Rockwool insulation can last up to 100 years, but just how long this insulation lasts in your home depends on how well it's maintained. Poorly installed insulation may last only 30 years, so be sure to regularly inspect your home's insulation for water damage, settling, and pests to give your insulation the best chance of having a long lifespan.

Insulating a detached garage won't reduce your home's heating or cooling bills—and insulating an attached garage will only have a small effect on your home's energy efficiency. However, insulating an attached garage can reduce the transfer of heating and cooling to and from the outdoors, which can reduce the amount of energy your home needs to stay comfortable. Also, having an insulated garage is just more pleasant. Balance the cost of insulating your garage with how you'll use the space to determine if the project is worth it.