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R-value is calculated by dividing the thickness of an insulation material by its thermal conductivity. The material's composition and density influence thermal conductivity. Materials with lower conductivity values provide better insulation. The higher the R-value, the better the material is at insulating, helping homeowners select insulation that meets the energy needs of their climate and home layout.

Yes, a dirty air filter can cause a higher electric bill. That’s because clogged filters make it harder for air to flow through your HVAC system, which forces it to work harder and use more energy. According to the U.S. Department of Energy, replacing dirty filters can save you between 5% and 15% in utility costs.

Fireplaces can theoretically help you save on heating bills if you lower the temperature throughout the rest of your home and heat only a single room that you occupy using the fireplace. However, in most cases, homeowners won’t save any money on heating bills. Gas and electric fireplace inserts could actually lead to a spike in your respective energy bills if you use them frequently, and if you don’t keep up with chimney maintenance and repairs, your traditional masonry fireplace could actually be a source of heat loss in the winter.

Provide utility bills and clear access to all areas of the home, including the attic and basement.