With wareagle's assumption of identical load, I think he is mostly right. The a/c would be on some of the time in both homes, and if they have the same size a/c unit, the demand would be the same (for the a/c). The a/c would stay on longer in the uninsulated house, increasing the kWh. The uninsulated house probably would have a little more demand on the average because there is a greater chance of having other loads on at the same time as the a/c if the a/c runs longer. The same logic would apply for electric heat in the winter.
Although engineering depts work with kVA or kW ratings, kWh is usually the only thing measured for individual residential customers. Many utilities have developed relationships between kWh usage and kW demand. There is no universal formula because it depends a lot on local conditions. The REA (now RUS) used to use a historic relationship for estimating feeder loads and published a series of tables. These were the basis for the "a" and "b" factors that you see in some distribution feeder analysis programs that can use kWh as input.