Unless your home was specially constructed for energy efficiency, you could perhaps reduce your bills by adding more insulation. Numerous different homes have fewer insulations than homes that are built today, but even by adding insulations, a newer home can pay for itself within some years. 

To determine whether you will add insulation, the first thing you may need is to find out how much insulation you already have in your home and where it is. A qualified home energy assessor may include an insulation check as a routine part of a whole house of energy assessment. An energy assessment, also known as a home energy audit, will help identify many areas of your home that may need air sealing. Before insulating, you should ensure that your property is appropriately air-sealed. 

If you do not want an energy assessment, you may need to find out the following:

1. What is the type of insulation you have?
2. Where is your home, and what needs to be adequately insulated?
3. What are the R-value and the thickness or depth of the insulation you may have?

If you live in a new home, you can probably get all this information from your builder. You will have to inspect the insulation if you live in an older house.