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Yes, there are government incentives available in some regions for insulating air ducts as part of energy-efficient upgrades. These incentives aim to encourage homeowners and businesses to improve energy efficiency and reduce their carbon footprint. To determine whether you qualify for such incentives, check with your local utility company or government agencies. They often offer rebates, tax credits, or other financial incentives that can help offset the cost of duct insulation projects.

The amount and type of insulation your home needs depends on your location, climate, and the specific installation area (attic, walls, or floors). Your local building code will typically determine the minimum required R-value. For specific recommendations, Energy Star suggests the following R-values: homes in the Southern U.S. should have R30 to R60 in attics and R13 to R25 in floors and walls; homes in moderate climates need R38 to R60 in attics and R25 to R30 in floors and walls; and homes in northern states require R49 to R60 in attics and R25 to R30 in floors and walls.

While insulation is required for all exterior walls in a house, it is not typically required for interior walls. Local and state building codes mandate that new construction homes have adequate insulation in exterior walls and ceilings to suit the local climate.

However, there are several benefits to adding insulation to interior walls. It is excellent for sound-dampening between rooms and can help with temperature control by maintaining a regulated temperature in specific rooms and lowering heat transfer between adjacent areas. Insulating interior walls can also contribute to the overall energy efficiency of your home.

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.