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| Brooklyn | | Make sure you have a new policy in | | Broker-Agent: One acting as an agent |
| Omaha | | place before you cancel your old one | | of one or more insurers and as a |
| Longview | | to avoid a lapse in coverage. This will | | broker in dealing with one or more |
| New Port Richey | | also prevent having to figure out the | | other insurers. |
| Kansas City | | amount of any unused premium that is | | |
| Livonia | | due to you from your old insurance | | Deductible: The portion of an insured |
| Houston | | company, or having to spar with your | | loss to be borne by the insured |
| Frederick | | agent about exactly when your policy | | before he is entitled to recovery from |
| Orange Park | | was cancelled and how much they | | the insurer. |
| Lakeland | | owe you. | | |
| Chattanooga | | | | Will Ride: Coverage that remains in |
| Tulsa | | Individuals who have 30-year | | effect regardless of the geographical |
| Akron | | mortgages might want to consider a | | location in which a loss occurs. |
| Fort Worth | | 30-year term to ensure that the house | | |
| Chesapeake | | is protected throughout the period of | | Broker of Record: A broker who has |
| Belleville | | the loan. | | been designated to handle certain |
| St. Joseph | | | | insurance contracts for the |
| Charlotte | | The best time to switch policies is | | policyholder. |
| Jersey City | | within one month of receiving your | | |
| Riverside | | policy renewal from your current | | Insurance Examiner: The |
| Gainesville | | insurer. You can typically cancel your | | representative of a state insurance |
| Union | | policy without any fees or penalties if | | department assigned to participate in |
| Newport News | | you act within this time period. | | the official audit and examination of |
| Anderson | | | | an insurer. |
| Englewood | | While some companies raise their | | |
| Jackson | | prices based on your actual age, | | Replacement: A new policy written to |
| Clarksville | | most companies increase the price of | | take the place of one currently in force. |
| Des Moines | | their policies six months before your | | |
| Zanesville | | birthday. Its a term called Age | | Brick Veneer Construction: Refers to |
| York | | Nearest in the industry, and that | | a building where the outside walls are |
| Wichita | | half-year price increase could really | | constructed of wood with a facing of a |
| Springfield | | add up over a 20-year term policy. As | | single layer of brick. |
| Columbus | | above, the quicker you purchase your | | |
| Huntington | | policy the better. | | Nonassignable: A policy that the |
| Winter Haven | | | | owner cannot assign to a third party. |
| Vancouver | | | | Most policies are nonassignable |
| Hickory | | | | unless approval is given by the |
| Redlands | | | | insurer. |
