Quick quiz: how insulation works
Ten questions on the technology. Tap an answer to see why.
Insulation slows heat as it moves through your attic, walls and floors. A home that holds its heat can use a smaller heating system, and rooms feel steadier.
Many programs pay for insulation, and some tie it to a home energy assessment. That can mean an assessment before the work and another after. Others pay for an attic upgrade without one. The rules, and the starting insulation level they accept, are different in each place, so read the program page first.
What to check before you buy
- Do you need an assessment? Some programs need one before and after the work. Book it before any work starts.
- Which parts of the house. Attics, walls, basements and crawl spaces often have different amounts.
- Your starting level. Some programs pay only when the existing insulation is below a set level.
- The contractor. Many programs need a participating or registered company.
- The paperwork. Keep invoices and photos. Some programs ask for both.
Open insulation rebates, region by region
Each row is an open program today. Amounts are the most a program pays, and many depend on your home, your income or your utility, so use the calculator for your own number.
| Where | Program | Pays | Source |
|---|---|---|---|
| British Columbia | BC Hydro insulation rebate | up to $5,500 (CAD) | Official page, checked Oct 2, 2026 |
| British Columbia | BC Hydro windows and doors rebate | up to $2,000 (CAD) | Official page, checked Oct 2, 2026 |
| Newfoundland and Labrador | takeCHARGE insulation rebate | up to $3,000 (CAD) | Official page, checked Oct 16, 2026 |
| Newfoundland and Labrador | takeCHARGE air sealing rebate | up to $750 (CAD) | Official page, checked Oct 16, 2026 |
| Northwest Territories | AEA exterior wall insulation | up to $8,000 (CAD) | Official page, checked Oct 21, 2026 |
| Northwest Territories | AEA basement insulation | up to $2,500 (CAD) | Official page, checked Oct 21, 2026 |
| Northwest Territories | AEA crawlspace insulation | up to $2,000 (CAD) | Official page, checked Oct 21, 2026 |
| Northwest Territories | AEA ceiling insulation | up to $1,500 (CAD) | Official page, checked Oct 21, 2026 |
| Northwest Territories | AEA basement header insulation | up to $625 (CAD) | Official page, checked Oct 21, 2026 |
| Northwest Territories | AEA exposed floor insulation | up to $500 (CAD) | Official page, checked Oct 21, 2026 |
| Ontario | Home Renovation Savings: whole-home insulation with assessment | up to $7,700 (CAD) | Official page, checked Oct 3, 2026 |
| Ontario | Home Renovation Savings: attic insulation with assessment | up to $1,500 (CAD) | Official page, checked Oct 3, 2026 |
| Ontario | Home Renovation Savings: attic insulation, no assessment | up to $1,250 (CAD) | Official page, checked Oct 3, 2026 |
| Prince Edward Island | Home Insulation Rebates: windows, doors and skylights (low income) | up to $2,000 (CAD) | Official page, checked Oct 21, 2026 |
| Prince Edward Island | Home Insulation Rebates: windows, doors and skylights | up to $1,000 (CAD) | Official page, checked Oct 21, 2026 |
| California | SMUD seal and insulate | up to $3,000 (USD) | Official page, checked Oct 2, 2026 |
| Colorado | Xcel Energy insulation and air sealing | up to $500 (USD) | Official page, checked Sep 29, 2026 |
| Illinois | Nicor Gas weatherization | $150 to $600 per measure (USD) | Official page, checked Oct 6, 2026 |
| Illinois | Peoples Gas weatherization | Up to $1,200 (USD) | Official page, checked Oct 6, 2026 |
| Michigan | DTE Energy attic insulation | $600, plus $250 bonus (USD) | Official page, checked Oct 6, 2026 |
| Michigan | Ann Arbor A2ZERO insulation | $500 per measure ($1,000 lower income) (USD) | Official page, checked Oct 6, 2026 |
| Michigan | Consumers Energy insulation | Up to $475 (USD) | Official page, checked Oct 6, 2026 |
| Michigan | Lansing BWL insulation | $100 per measure (USD) | Official page, checked Oct 6, 2026 |
| Minnesota | Xcel Energy insulation and air sealing | up to $3,000 (USD) | Official page, checked Oct 6, 2026 |
| Minnesota | CenterPoint air sealing and insulation | up to $3,000 (USD) | Official page, checked Oct 6, 2026 |
| New Jersey | JCP&L Whole Home Energy Solutions | up to $7,500 (USD) | Official page, checked Oct 6, 2026 |
| Pennsylvania | PPL Electric insulation and air sealing | up to $500 (USD) | Official page, checked Oct 6, 2026 |
| Washington | PSE insulation and air sealing | Up to $5,000 per wall or floor area (USD) | Official page, checked Oct 6, 2026 |
| Washington | Tacoma Power insulation | up to $2,250 (USD) | Official page, checked Oct 6, 2026 |
Start with these guides
Questions to ask99 Questions That Make a Heat Pump Installer Sweat (In a Good Way)
QuizMyth or true?Heat Pump Myths, Busted: 6 Things Your Brother-in-Law Got Wrong
Ways to lose it77 Sneaky Ways to Lose Your Rebate (and the Easy Fix for Each)
- GuideWhy Insulation First? The Retrofit Sequence That Saves Most
- GuideOntario Home Renovation Savings Program: 2026 guide
- Guide9 Ontario home energy rebates you can claim in 2026
- GuideOntario Home Renovation Savings Deadlines for 2026
- GuideBC Hydro vs FortisBC Rebates: Which Pays More?
- GuideHow to Stack BC Rebates in 2026: Real Example
Common questions
Should I insulate before getting a heat pump?
Often yes. Better insulation can mean a smaller system. Our guide on doing upgrades in order explains why.
Do I need an assessment?
In some programs, yes. In others, no. The table links to each official page.
Can condos or apartments get insulation rebates?
Many programs are written for houses. Check the official page for your home type.
How long do I have to apply?
It varies. Some give months after the invoice and some close on a date.
Sources, read October 21, 2026: Home Renovation Savings, British Columbia: BC Hydro insulation rebate, British Columbia: BC Hydro windows and doors rebate, Newfoundland and Labrador: takeCHARGE insulation rebate, Newfoundland and Labrador: takeCHARGE air sealing rebate, Northwest Territories: AEA exterior wall insulation.