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| Rochester | | The quickest and easiest way to | | Underwriters Laboratories, Inc. (UL): A |
| Quincy | | shop for new insurance is by | | testing laboratory for manufactured |
| Dallas | | comparing rates at InsWebs online | | items to determine their safety |
| Scranton | | marketplace. If you do it the | | propensities. |
| Kalamazoo | | old-fashioned way (by calling or | | |
| Joliet | | visiting multiple agents or insurance | | Agent's License: A certificate of |
| Torrance | | companies) it could take up a huge | | authority from the state which permits |
| Manchester | | chunk of your time, which no one | | the agent to conduct business. |
| Columbus | | wants or needs. By completing | | |
| Dothan | | InsWebs online application, you will | | Provisional Rate: Tentative rates, |
| Jackson | | have rates to compare to your old | | premiums or commissions that are |
| Boulder | | ones within minutes! | | subject to subsequent adjustment. |
| Redlands | | | | See Commission and Premium. |
| Saginaw | | The best time to switch policies is | | |
| Panama City | | within one month of receiving your | | Amendment: A formal document |
| Fort Myers | | policy renewal from your current | | which corrects or revises an |
| Anchorage | | insurer. You can typically cancel your | | insurance master policy. |
| Youngstown | | policy without any fees or penalties if | | |
| San Bernardino | | you act within this time period. | | Countersignature: The signature of a |
| Fayetteville | | | | licensed agent or representative on a |
| Evanston | | Individuals who have 30-year | | policy. |
| Warren | | mortgages might want to consider a | | |
| Fresno | | 30-year term to ensure that the house | | Submitted Business: Applications for |
| Durham | | is protected throughout the period of | | insurance submitted to an insurer but |
| Gulfport | | the loan. | | not yet acted upon by it. |
