Yes, insulation is essential. The best time to do it is before the cold weather sets in. If you wait until it's cold outside, the insulation will be less effective because the material will be harder to install and you'll have to take more time to make sure the job is done right.
Yes, insulation is essential! If you don't have proper insulation in your home, your energy bills will be through the roof. The best time to insulate is during the summer, when it's hot and you're not using your AC. That way, the insulation can dry properly and be ready for winter.