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The best type of attic insulation depends on where you live, your budget, and what stage of construction the attic is in. For example, if you're building a house, then structural insulated panels are a worthy investment since they're easy to install during construction and they're the most energy-efficient type of insulation.  

Additionally, if you live in a very warm climate, then you can potentially save quite a bit of money by opting for reflective insulation, which is more affordable than comprehensive insulation but doesn't work well for cool climates. Blown-in, loose-fill, and spray foam insulation are all great options for attics in moderate climates.

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.

Insulation is professionally installed by measuring spaces, cutting materials to fit correctly, and placing them without gaps for optimal thermal resistance.

Open-cell foam insulation has a life span ranging between 15 to 25 years when well cared for. However, the material may degrade sooner in areas with high humidity or after prolonged water exposure. Proper installation and maintenance can maximize its longevity but requires close monitoring. Closed-cell foam insulation has a longer life span of 30 to 50 years.