Once my friend built a new house. I asked him to have a house insurance for his home but he neglected it. He was a irresponsible guy. Suddenly, the house caught fire and half of the house got damaged. Really at that time he came to know about it’s value but it was late. He again reconstructed it in 2 years by spending lots of money from his pocket. then he took up a home owners insurance jacksonville. He got the policy at lower quotes i.e.., cheaper insurance. Now he can be happy. You too take a wise step in your life.