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| Gainesville | | The best time to switch policies is | | New For Old: Replacing old |
| Killeen | | within one month of receiving your | | damaged parts or equipment with |
| Houma | | policy renewal from your current | | new ones rather than repairing them. |
| Montgomery | | insurer. You can typically cancel your | | |
| Newburgh | | policy without any fees or penalties if | | Equity: The money value of an |
| Davenport | | you act within this time period. | | insurance company that is over and |
| Gainesville | | | | above its liabilities. Liabilities include |
| Warwick | | People who are trying to quit | | almost all of its reserves. |
| Dothan | | smoking, for example, might be best | | |
| Columbus | | suited purchasing a shorter term (and | | Appraisal: An evaluation of property |
| Olympia | | then replacing it with a longer term | | made to ascertain either the |
| Wilmington | | policy when they qualify for | | appropriate amount of insurance to |
| New Orleans | | non-tobacco prices). | | be written or the amount of loss to be |
| Redlands | | | | paid. |
| Green Bay | | The quickest and easiest way to | | |
| Alpharetta | | shop for new insurance is by | | Premium Receipt: The receipt given |
| Houston | | comparing rates at InsWebs online | | a policy owner for the payment of a |
| Cypress | | marketplace. If you do it the | | premium. |
| Palm Desert | | old-fashioned way (by calling or | | |
| Gulfport | | visiting multiple agents or insurance | | Underwriters Laboratories, Inc. (UL): A |
| Alexandria | | companies) it could take up a huge | | testing laboratory for manufactured |
| Gulfport | | chunk of your time, which no one | | items to determine their safety |
| Grand Junction | | wants or needs. By completing | | propensities. |
| Long Island City | | InsWebs online application, you will | | |
| Slidell | | have rates to compare to your old | | Indemnify: To restore the victim of a |
| Littleton | | ones within minutes! | | loss to the same position as before |
| Poughkeepsie | | | | the loss occurred. |
| Woodbridge | | Make sure you have a new policy in | | |
| Boston | | place before you cancel your old one | | Premium: The price of insurance |
| Newburgh | | to avoid a lapse in coverage. This will | | protection for a specified risk for a |
| St. Paul | | also prevent having to figure out the | | specified period of time. |
| Muskegon | | amount of any unused premium that is | | |
| Buffalo | | due to you from your old insurance | | Underinsurance: A condition in which |
| Rochester | | company, or having to spar with your | | not enough insurance is carried to |
| Franklin | | agent about exactly when your policy | | cover the insurable value. |
| Raleigh | | was cancelled and how much they | | |
| Chattanooga | | owe you. | | |
