Don't forget. You asked.
"Is this like the biggest thing to do?" YES!
"Attic... had some blown-in insulation... didn't look excessive by any stretch of the imagination" means it needs more.
Cheap to do. Lowe's / Home DePot give you the machine free with like 15/20/25 bags. Been a while, but it was under $3.50 a bag when I topped mine off.
Attic insulation keeps the heat in the house in winter, and the heat in the attic in summer.
IMHO, if you measured it in inches it is not enough.
I measured mine in feet. I'm still up north.
Changed from A/C maybe 20~30 days a year to maybe 10.
Be certain the ceiling can support the weight. 20 bags of blown-in deciding it wants to be on the coffee table makes a heck of a mess.
Are the walls empty? Crap!
Gotta get that done right away.
Second best thing about doing that is you can't hear the kids Boom-Boom Honda stereos so easy.
Best thing is being insulated (no more drafts, much lower bills, cooler in summer, warmer in winter...).
Run every wire your grandkids could concieve of ever having a use for before insulating. Or a couple pipes to fish wires from one place to another.
Plaster or drywall? Plaster can have cracking issues from the pressure of blowing in, more so if it is bad shape. I nearly lost my stairway wall with "pros" doing it (they worked behind AL siding for what it cost me for materials, so let them work!).
Be careful if you DIY.
Old houses could have "panned in" the heating ducts in outside walls. The heat duct is just the hole in the wall. Meaning you blow the ducts and furnace full of stuff.
Check the crawl space carefully for holes in the walls out the bottom. Plumbing, wiring, etc.
Make a good plan before getting the material and machine.
Drilling the holes takes longer.
Double check, twice, with your ouwn tape measure, the size of the machine outlet (where the insulation comes out).
Insulating an older house can leave the attic poorly ventilated.
Use "proper vents" (that's what we call them here), ridge vents, gable vents...
Some vents should not be used with others. Some are designed to be used with others.
Vinyl or AL or what siding?
Vinyl is easy from the outside because vinyl can be lifted and replaced.
AL is usually considered best done from the inside, or it has all those holes with plastic plugs.
Wood could use a re-side job by now anyway, so get a hose painter to spray it with decent paint, blue foam it after the tyvec (personal opinion), and have the wood wrapped by a pro (not worth the DIY cost/pain/stiches at $100/hr).
A stove makes heat with power. Electric is fine. Gas is cheaper. The stove is not on so many hours a day.
Not sure my stove works because drive-throughs do the cooking. LOL
Take a long time to break even with the gas dryer if gas need run.
Hot water heater is another story. And the hot water heater needs a "blanket" too (big box store).
Local big box place should be able to give regional info, like what to do about the crawl space...
Much of their Big Box training and data is outdated.
A guy tried to talk me out of spending $150 on insulation because of "time to payback". How long does it take to save $150 at 2% average savings per month? LOL
Plus it is just a lot more comfortable year round.
Gas heat is cheaper. If it is available. Most places.
In 1976 my parents had an $1100+ electric heat bill. Figure that one with inflation! It was the same year I learned about wood stoves, and how an ax worked on sweat but without a cord or gasoline.
G-