What's the clearance rule for recessed lights?
Keep loose-fill insulation at least three inches from non-IC recessed "can" lights. Fixtures labeled IC (insulation contact) may be covered directly, since they're rated to handle it. For non-IC fixtures, ENERGY STAR advises building a sheet-metal or wire-mesh barrier so loose-fill cannot pack against the housing and create a fire risk.

What else should you keep insulation clear of?
Hot flues need their own clearance: about 1 inch from metal flues and 2 inches from masonry chimneys. Rafter baffles are also worth adding at the eaves so loose-fill stays off the roof edge, where it could get wet or dirty rather than blocking a heat source.
Sources
1 cited- Recessed-light and flue clearance rules: ENERGY STAR, Attic Insulation Project (checked 2026-08-19); U.S. Department of Energy, Building America Solution Center, Recessed Lighting Code Compliance Brief, 2015 IRC (checked 2026-08-19); U.S. Department of Energy, Guide to Durable Attics, DOE/EE-0339, 2010 (checked 2026-08-19).
