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| Fremont | | People who are trying to quit | | Public Adjuster: An insurance adjuster |
| West Palm Beach | | smoking, for example, might be best | | who represents an insured on a fee |
| Jasper | | suited purchasing a shorter term (and | | basis in claims settlement. Contrast |
| Allentown | | then replacing it with a longer term | | with Independent Adjuster. |
| Lima | | policy when they qualify for | | |
| Long Beach | | non-tobacco prices). | | Appraisal: An evaluation of property |
| Greensboro | | | | made to ascertain either the |
| Owensboro | | If you have noticed that your auto | | appropriate amount of insurance to |
| Chandler | | insurance rates are still increasing | | be written or the amount of loss to be |
| Cookeville | | with each renewal, or even have not | | paid. |
| Newburgh | | gone down even though you have a | | |
| Biloxi | | great driving record, this lower pricing | | Valuation Clause: A clause stating the |
| Sumter | | trend makes it more important then | | value of items for insurance |
| Fall River | | ever that you shop around for auto | | purposes, making it a valued policy. |
| Santa Ana | | insurance. | | |
| Boynton Beach | | | | Approved Roof: A term used in |
| St. Louis | | Individuals who have 30-year | | building construction. It indicates a |
| Salem | | mortgages might want to consider a | | roof made of fire-resistive materials, |
| Rockford | | 30-year term to ensure that the house | | such as tile or asphalt shingles. |
| Akron | | is protected throughout the period of | | |
| Stuart | | the loan. | | Paid-In Surplus: Surplus paid in by |
| Stuart | | | | stockholders, as contrasted with |
| Louisville | | Make sure you have a new policy in | | surplus earned through the |
| Canton | | place before you cancel your old one | | operations of a business. |
| Johnson City | | to avoid a lapse in coverage. This will | | |
| Houston | | also prevent having to figure out the | | Countersignature: The signature of a |
| Tucson | | amount of any unused premium that is | | licensed agent or representative on a |
| Anderson | | due to you from your old insurance | | policy. |
| West Palm Beach | | company, or having to spar with your | | |
| Manchester | | agent about exactly when your policy | | Divided Cover: The placing of |
| Billings | | was cancelled and how much they | | insurance on a given subject or |
| New York | | owe you. | | object with more than one insurer. |
