What should a whole-house pipe insulation quote count?

When comparing pipe insulation estimates, should the energy-saving work be priced separately from extra coverage? I’d like to see whether a quote distinguishes accessible hot-water lines from cold-water lines and concealed runs, since the added access work may not bring comparable energy savings.

What details make estimates useful to compare, such as pipe lengths, insulation thickness, and any labor for reaching concealed sections? And should the savings estimate say whether it assumes long waits for hot water or a recirculation system?