Insulation is used in a home to control how heat is transferred from the interior to the exterior:
Heat flows from hot to cold
Heat flows by conduction, convection and radiation
Heat flow can never be stopped, it can only be slowed down
Insulation resists heat flow and is rated for it's R value (RSI)
R-value tells us how well a particular construction material insulates. The higher the R-value, the better the insulation and the more energy you will save. An R-value only applies to specific materials, not to systems. When the entire system is considered, it is called the Effective R-value
Transfer of heat through the building envelope decreases the level of thermal comfort and increases the heating energy requirements, which increases the operation costs of the house
Properly insulating the home directly effects how comfortable the home is and how much energy the home will use
Properly insulating reduces/eliminates cold spots in the building envelope. This increases the longevity of the home by reducing condensation problems