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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.

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.

When installing metal siding, a high-quality house wrap is considered the best protection against condensation and moisture infiltration. House wraps can increase a home's efficiency significantly. However, a house wrap is not a replacement for a vapor barrier because it can be permeable when moist air passes through siding. This is why it's essential to follow manufacturer instructions for insulating siding when installing new siding.

If you’re moving wires, installing new wires, or installing new fixtures in the space you’re insulating, then you will need to hire a licensed electrician to do that portion of the job for you. However, if you just intend on replacing old insulation or adding new insulation over existing insulation, then you don’t need to hire one. Your insulation installer will work around wiring, fixtures, outlets, and switches, even if they’re installing fiberglass batts in the voids where wires run. However, you will need an electrician if you suspect a problem with your wiring during the insulation work.