Urkel is insulted when Carl's home owner's insurance agent, Mr.Tolbert, calls him a disaster waiting to happen(due to his clumsiness). He won't put up for this and heads to his office in downtown Chicago. Steve tries to convince him that he isn't a disaster, and that he should lower Carl's skyrocketing home owner's insurance. However, it goes nowhere because Mr.Tolbert is still convinced that he's a disaster. That is until Carl shows up to his office and deals with the matter himself, by telling Steve that he's found a nice apartment on Argyle Street. Mr.Tolbert is completely mortified when he learns Urkel will be his next door neighbor and he agrees to lower Carl's home owner's insurance on the grounds that he keeps Steve away from him. Meanwhile, Eddie learns an important lesson that it's better to act your age and stay true to your current girlfriend when he's tempted to flirt with an older woman.