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| Trenton | | Individuals who have 30-year | | Partial Loss: A loss covered by an |
| Columbus | | mortgages might want to consider a | | insurance policy which does not |
| Honolulu | | 30-year term to ensure that the house | | completely destroy or render |
| Naperville | | is protected throughout the period of | | worthless the insured property. |
| Clarksville | | the loan. | | |
| Lakewood | | | | Premium: The price of insurance |
| Schenectady | | Make sure you have a new policy in | | protection for a specified risk for a |
| Chula Vista | | place before you cancel your old one | | specified period of time. |
| San Francisco | | to avoid a lapse in coverage. This will | | |
| Rockford | | also prevent having to figure out the | | Premises: The particular location of |
| Florence | | amount of any unused premium that is | | property or a portion thereof as |
| Salt Lake City | | due to you from your old insurance | | designated in a policy. |
| Tempe | | company, or having to spar with your | | |
| Dallas | | agent about exactly when your policy | | Independent Agent: An agent |
| Minneapolis | | was cancelled and how much they | | operating as an independent |
| Englewood | | owe you. | | contractor under the independent |
| Oakland | | | | agency system. |
| Huntsville | | If you have noticed that your auto | | |
| Glendale | | insurance rates are still increasing | | Not Taken: Policies applied for and |
| Albany | | with each renewal, or even have not | | issued but rejected by the proposed |
| Palm Harbor | | gone down even though you have a | | owner and not paid for. |
| Hampton | | great driving record, this lower pricing | | |
| Alpharetta | | trend makes it more important then | | Broker-Agent: One acting as an agent |
| Portland | | ever that you shop around for auto | | of one or more insurers and as a |
| Whittier | | insurance. | | broker in dealing with one or more |
| Eugene | | | | other insurers. |
| West Palm Beach | | The quickest and easiest way to | | |
| Dubuque | | shop for new insurance is by | | Accident: An unplanned event, |
| Alpharetta | | comparing rates at InsWebs online | | unexpected and undesigned, which |
| Tempe | | marketplace. If you do it the | | occurs suddenly and at a definite |
| Asheville | | old-fashioned way (by calling or | | place. |
| Kansas City | | visiting multiple agents or insurance | | |
| Albany | | companies) it could take up a huge | | Mandatory Valuation Reserve: A |
| Williamsburg | | chunk of your time, which no one | | reserve required by a state law to |
| Mountain View | | wants or needs. By completing | | offset any declines in the valuation of |
| Lansing | | InsWebs online application, you will | | securities listed as admitted assets. |
| Sarasota | | have rates to compare to your old | | |
| Valdosta | | ones within minutes! | | |
