Toms Blog

According to US census data collected over the 50 years between 1950 and 2000, the number of unmarried couples living together has increased from 20% to 50% of households. Based on this trend, that number is expected to increase even higher when the 2010 census data is released. If you are in a living together and unmarried relationship, there are some potentially costly gaps in both your homeowners insurance and auto insurance policies. In this article, we'll focus on home insurance and in our next blog post, we'll cover the gaps in your auto insurance policy. Gaps in Personal Liability Insurance Most homeowners insurance policies in North Carolina provide liability insurance protection for the named [...]

Now would be a good time to take care of some basic chores to assure your home is ready for those wintry blasts. Here are 18 tips for preparing your home for winter... 1.Tune up your furnace and humidifier- Call in a professional to make sure that your furnace is working up to par; with the high price of natural gas and electricity, it wouldn't take much of an efficiency loss to justify that maintenance visit. And don't forget about the humidifier, or you'll be snapping your honey with static electricity all winter long. 2. Turn off water to outside spigots– Now is a good time to turn off water to your outside spigots, then [...]

Fall in North Carolina is certainly a beautiful time of the year. This is also the time of the year when we need to take extra measures to protect our homes to avoid damage. Of course, your homeowners insurance covers you for most causes of damage to your home but it makes good sense to take these simple steps to prevent something bad from happening in the first place. Fireplaces- Early one evening last fall while I left my house for a walk with my dog, I noticed flames coming out of a neighbor's chimney. I quickly ran to their house to alert them of the danger. My neighbor came to the door and after [...]