Cheap North Carolina Home Owner's Insurance - Helping You Do Your Homework

If you’re purchasing a home in North Carolina, you’re undoubtedly going to want to purchase a home owner’s insurance policy to protect you, your belongings, and your investment. Yet, there are many questions that must first be answered before you should purchase a home owner’s insurance policy, and many of those questions deal with your new home itself. What condition is your new home in? What repairs should be made to make your home safer and help you get better home owner’s insurance rates?

Yes, there’s much homework to be done when it comes to purchasing a home owner’s insurance policy for your new North Carolina home – but you don’t have to do that homework alone. Before you purchase your home – or right after, if you feel confident enough with the purchase – consider having a licensed North Carolina home inspector take a peek. These professionals are trained in inspecting homes inside and out, including the plumbing and electrical systems, as well as the roof and any porches, decks, or patios.

The home inspector will provide you with a detailed report once the inspection is complete, but it’s best for you to be present during the inspection so you can see first hand just want improvements need to be made. This way, you can assist the electrician, plumber, or roofer once you set up an appointment to have your home repaired. Sure, you won’t be up on the roof with the repairmen, but you will be able to point them in the direction of the damage.

By having a home inspector go through the home and point out each repair that needs to be made, you’re one step closer to getting lower home owner’s insurance rates. If a home owner’s insurance company sees that you’ve just replaced the leaky plumbing or faulty electrical system, the home won’t be viewed as high a risk as it would if the repairs weren’t made.

Designing Relaxing Evenings for You and Your Child

After a long day’s work many parents look forward to a relaxing evening at home. Yet a parent arrives home only to be bombarded with news broadcasts of their child’s events, demands for dinner, housework that needs to be done, homework that needs to be assisted with, baths and teeth to be brushed, laundry to be done, next day events to be organized—the beat goes on.
Evenings can be the enjoyable time you would like for both your children and yourself. Preplanning and sticking to a regular schedule will maximize your time together.
Look at the time you have in the evening and break it up into increments to cover your evening goals. Here is how one parent’s schedule looks:
• 5:30-6:00 - Pick up kids from Susan’s and drive home.
• 6:00-6:30 - We all sit in the kitchen for “Happy Hour” and talk while one of us prepares dinner.
• 6:30-9:00 - A nice sit down dinner. Afterwards I load the dishes and kids start their homework from 7:30-9. While kids work on their homework I catch up on bill-paying, phone calls, permission slips, etc. If they finish early, we play a card game together.
• 9:00-9:30 - Kids prepare for the next day while I veg on the couch.
• 9:30 - Lights out for kids and I curl up with a book.

As you plan your evening schedule, allot time for the following


  • Your own relaxation
  • Time together as a family
  • A sit-down dinner when possible (Note: this doesn’t mean a full course meal with a representative from all food groups. It simply means everyone’s bottom on a chair while chewing through whatever the menu it.
  • Whether it be TV dinners, macaroni or cereal is irrelevant)
  • One-on-one time with each child (alternate nights if necessary)
  • Homework
  • Next day preparations
  • a man was murdered in his office riddle


    • Keys for Creating Relaxing Evenings


    When you arrive home from work, take a minute to switch gears and change into something more comfort-able.
    If homework hassles are giving you a headache, create a work hour. Perhaps after dinner, but before dessert, have one hour devoted to homework. While children work on their homework, take time to catch up on your own reading or paperwork.
    Murphy’s Law should state “the more you try to relax the more you will think of that which needs to be done.” Make a habit of keeping to-do lists in your car, at work and at home. If you think of something that needs to be done, jot it down so it isn’t weighing on your mind.
    Get moving! Work off the day’s stresses and spend some quality time with the kids by moving. Enjoy a physical activity together (outside if possible) like basketball, kickball or climbing a tree. Just 20 minutes outside after a long day can help parents and kids unwind, de-stress and catch up. If the weather won’t permit a trip outside, try a quick game of charades (each family member takes one turn) or turn on some music and dance.
    Avoid the phone. Let the answering machine pick up the calls at night while you are spending time with your children.
    Make a list with your child of ten things you would really like to do together. Aim to do one every other week.