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According to a report from Energy.gov, radiant barrier installations can save between 5% and 10% on your energy bill each month that your HVAC cooling is in operation. That fact can mean savings of up to more than $325 per year for homes that experience frequent direct sunlight and high summer temperatures. 

Yes, basement insulation needs a vapor barrier due to its susceptibility to moisture seeping in from the outside of the house. You should install a moisture barrier before you install insulation or purchase insulation that comes prebuilt with a moisture barrier to avoid water damage in your insulation and costly mold and water remediation expenses. 

It is usually possible to install insulation yourself, but it’s often better to hire an insulation professional. An experienced insulation pro can determine which type of insulation is best for your space and the R-value get the most value and comfort in your home. Certain types of insulation can cause skin, eye, and lung irritation, and a professional will have the equipment necessary to keep themselves safe and limit the effect on your indoor air quality after the installation. Certain types of insulation—like blown-in and loose-fill insulation—demand a professional for proper functionality and safe installation.

The life span of insulation is between 20 and 100 years. At that time, existing insulation can fall victim to gravity, resulting in compression, which reduces its insulating protection or R-value. If you can't simply add more insulation over the existing material, removing the old to increase the effectiveness of the new can reduce your energy bills and make the project worth the time and money investment.