When buying a house, make sure the purchase and sale agreement specifies all the items to be included in the sale. The seller should be clear about any items (the dining room chandelier, for example) that he does not intend to convey with the property, and the buyer should check carefully during the preclosing inspection to verify that everything that is supposed to be included is still in place.
Recessed light fixtures can be a major source of heat loss, but you need to be careful how close you place insulation next to a fixture unless it is marked. “I.C.”—designed for direct insulation contact. Check your local building codes for recommendations.