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| Augusta | | While some companies raise their | | Brokerage Business: Business |
| Albany | | prices based on your actual age, | | offered to an insurer by a broker. This |
| Springfield | | most companies increase the price of | | is sometimes called excess or |
| Philadelphia | | their policies six months before your | | surplus business. |
| Hemet | | birthday. Its a term called Age | | |
| Spring Hill | | Nearest in the industry, and that | | Will Ride: Coverage that remains in |
| Stockton | | half-year price increase could really | | effect regardless of the geographical |
| Kansas City | | add up over a 20-year term policy. As | | location in which a loss occurs. |
| South Bend | | above, the quicker you purchase your | | |
| Pensacola | | policy the better. | | Exclusion: A contractual provision that |
| Canton | | | | denies coverage for certain perils, |
| Pensacola | | Shopping around is the best way to | | persons, property, or locations. |
| Greensboro | | save money on your insurance. | | |
| Downey | | | | Brick Veneer Construction: Refers to |
| Lakeland | | The best time to switch policies is | | a building where the outside walls are |
| Olympia | | within one month of receiving your | | constructed of wood with a facing of a |
| Lawton | | policy renewal from your current | | single layer of brick. |
| Harlingen | | insurer. You can typically cancel your | | |
| Miami | | policy without any fees or penalties if | | Single Limit: Any insurance coverage |
| Los Angeles | | you act within this time period. | | which is expressed as a single |
| Nashua | | | | amount of insurance, or a single limit |
| Manchester | | The quickest and easiest way to | | of liability. Contrast with Split Limit. |
| Jackson | | shop for new insurance is by | | |
| Pasadena | | comparing rates at InsWebs online | | Policywriting Agent: An agent who has |
| Des Moines | | marketplace. If you do it the | | the authority to prepare and effect an |
| Minneapolis | | old-fashioned way (by calling or | | insurer's policy. |
| Poughkeepsie | | visiting multiple agents or insurance | | |
| Madison | | companies) it could take up a huge | | FICA. Federal Insurance Contributions |
| Topeka | | chunk of your time, which no one | | Act: A law imposing a payroll tax to |
| Sarasota | | wants or needs. By completing | | assist in funding Social Security |
| Cherry Hill | | InsWebs online application, you will | | benefits. |
| Vero Beach | | have rates to compare to your old | | |
| Raleigh | | ones within minutes! | | Book Value: Refers to the value of |
| Salem | | | | assets as shown in the official |
| Boulder | | | | accounting records of the company. |
