Content Updated: January 20, 2026

Key takeaways

  • Cellulose attic insulation is made from at least 85% recycled paper, making it ideal for reducing waste while providing thermal efficiency. 
  • Cellulose insulation offers strong resistance to heat transfer, ensuring homes stay comfortable year-round and potentially lowering energy costs.1 
  • Cellulose insulation can be installed using two primary techniques: blown-in for retrofitting existing structures and spray-applied for new builds. 
  • When properly installed, cellulose attic insulation can last for decades without needing replacement, although factors such as moisture and pests may require potential reinstallation.

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Choosing the right insulation for your home is an important decision, but it doesn’t have to be difficult. Cellulose attic insulation is a popular choice among many homeowners due to its recycled materials and ability to regulate both hot and cold temperatures.

At Terminix, our high-quality cellulose insulation, which has a pest control additive, can replace or be added on top of your existing insulation to help increase your home’s energy efficiency and comfort all year long.1 

So, is cellulose attic insulation right for your home? Explore the benefits of our attic insulation services and home services.

What is cellulose insulation?

Cellulose attic insulation is made from at least 85% recycled paper treated with fire-resistant properties. This versatile insulation is available in two primary forms: blown-in cellulose insulation and spray-applied.

Regardless of the application method, the effectiveness of cellulose insulation in resisting heat transfer is measured by its R-value. The higher the R-value, the stronger the insulation. This can help make your home more efficient at withstanding heat in the summer and cold in the winter. Depending on the climate where your home is located, you may need to choose an insulation with a stronger rating. The cellulose insulation R-value typically has a high R-value, but varies depending on the depth at which it is placed.

Attic Insulation

Blown-in vs. spray-applied cellulose insulation

Blown-in cellulose attic insulation is highly effective for retrofitting existing structures, particularly in attics and wall cavities, where it can be mechanically applied to create a snug fit that maximizes thermal efficiency and reduces air infiltration. In contrast, spray-applied cellulose is particularly suited for new construction, where it is mixed with water and applied wet to ensure a seamless application that adheres well to surfaces. 

How cellulose insulation is installed

Cellulose insulation is typically blown or densely packed into the attic, sealing any gaps or cracks to ensure the best performance. A technician will determine the amount of attic insulation you need for comprehensive coverage and to help minimize air leaks. The effectiveness of insulation is measured using its R-value, which indicates its resistance to heat flow; the higher the R-value, the better the insulation's performance. The R-value of cellulose insulation depends on its density and installation method. 

While cellulose attic insulation is generally safe for indoor use, ensuring proper ventilation and sealing any moisture sources is critical in preventing mildew growth. In terms of longevity, cellulose insulation doesn't necessarily need to be redone frequently; with proper installation and no moisture issues, it can last for several decades. However, factors like pest infestations, settling, or water damage may require reinstallation. 

Advantages and disadvantages of cellulose attic insulation

Cellulose attic insulation is a great option for homeowners. It has excellent thermal properties, helping to keep homes warmer in winter and cooler in summer.1 This type of loose-fill insulation does not settle as much as other types and is made from recycled paper products, mainly newspaper. In terms of toxicity, cellulose insulation is considered non-toxic to humans and pets. However, it's important to address potential moisture issues. Excess moisture can lead to mildew growth if the insulation becomes damp. While cellulose is treated to help prevent this, maintaining proper ventilation in your home is key to preventing moisture accumulation and potential mold problems. 

Homeowners often ask if cellulose attic insulation is more flammable than other types of insulation since it is made of paper; however, it is treated with fire-resistant properties and has a Class 1 fire rating. Another key factor when considering cellulose insulation is that it can also be treated with boric acid – an effective pesticide. When certain insects ingest or come into contact with boric acid, it kills them so they cannot infest your insulation.2 This means it can help reduce the risk of insect infestations, as they are deterred by the boric acid.

Blown-in cellulose vs. fiberglass insulation

Blown-in cellulose attic insulation and fiberglass attic insulation are both popular choices for insulating homes. Cellulose is made from recycled paper treated with fire-resistant properties, while fiberglass is made from extremely fine glass fibers. Because cellulose insulation can be blown into a space, it is often used in attics, where spacing can be cramped. 

Fiberglass insulation can be blown in, but is more often cut from larger sheets or rolls and fitted into the space. Cellulose insulation's higher R-value makes it a more practical choice for homes in any climate.

Colleague installing cellulose

Cellulose insulation services from Terminix

Blown-in cellulose attic insulation can help add a layer of pest protection and keep your home energy-efficient all year long.2 At Terminix, our cellulose insulation services range from optimizing your existing insulation to installing new insulation from scratch. We install insulation to the recommended R-value either on top of your existing insulation or directly between the joists.

Once you schedule your free attic insulation inspection, a technician will determine the right approach and walk you through your treatment plan. Plus, cellulose insulation is treated with a pest control additive to help keep pests out of your attic. 

Schedule your attic insulation service with Terminix today.

1 Savings vary and depend on use patterns, the home’s current insulation, home and system efficiency and products purchased.

2 Insulation’s control effect begins only after affected insect/arthropod contacts insulation. Visit Terminix.com/home-services/attic-insulation/ to learn more about affected insects/arthropods. Product brand availability varies by location. Control of affected insects/arthropods is limited to contact with insulation and does not extend outside of the insulation. Use of insulation does not substitute for holistic pest management. For active pest infestations, you should consult a licensed pest control operator.