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| Ventura | | The quickest and easiest way to | | Exclusion: A contractual provision that |
| Fairfax | | shop for new insurance is by | | denies coverage for certain perils, |
| Cape Coral | | comparing rates at InsWebs online | | persons, property, or locations. |
| Toms River | | marketplace. If you do it the | | |
| Wichita | | old-fashioned way (by calling or | | Borderline Risk: An insurance |
| South Bend | | visiting multiple agents or insurance | | prospect of doubtful quality from an |
| Conroe | | companies) it could take up a huge | | underwriting point of view. |
| Springfield | | chunk of your time, which no one | | |
| Tuscaloosa | | wants or needs. By completing | | Theory of Probability: The |
| Clearwater | | InsWebs online application, you will | | mathematical principle upon which |
| Birmingham | | have rates to compare to your old | | insurance is based. |
| Chesapeake | | ones within minutes! | | |
| Decatur | | | | Building Code: This refers to |
| Charlotte | | If you decide to cancel your policy | | municipal or other governmental |
| Atlanta | | (after acquiring new coverage) | | ordinances regulating the type of |
| Escondido | | outside of the 30-day period, you may | | construction of buildings within its |
| Long Beach | | have to pay a fee or penalty. | | jurisdiction. |
| Flint | | However, you may still save money | | |
| Lawton | | after paying the fee if your new policy | | Premises: The particular location of |
| San Francisco | | affords you significant savings. So | | property or a portion thereof as |
| San Diego | | while it is best to wait until your | | designated in a policy. |
| Union | | receive your renewal notice, you CAN | | |
| Newport News | | cancel your policy at any time. | | Monoline Policy: Any insurance |
| Trenton | | | | coverage written as a single line |
| Bellevue | | While some companies raise their | | policy. Contrast with Multiple Line or |
| Philadelphia | | prices based on your actual age, | | Package policy. |
| Lincoln | | most companies increase the price of | | |
| Dayton | | their policies six months before your | | Index Bureau Experience: A measure |
| Glendale | | birthday. Its a term called Age | | of losses relating to claims reported |
| Johnstown | | Nearest in the industry, and that | | through a claim office during a |
| Bloomington | | half-year price increase could really | | 12-month period. |
| Cypress | | add up over a 20-year term policy. As | | |
| Boston | | above, the quicker you purchase your | | Equity: The money value of an |
| Allentown | | policy the better. | | insurance company that is over and |
| Overland Park | | | | above its liabilities. Liabilities include |
| Greeley | | | | almost all of its reserves. |
