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| Southfield | | Make sure you have a new policy in | | You/Your: These words are used to |
| Edmond | | place before you cancel your old one | | refer to the named insured in many of |
| Sioux City | | to avoid a lapse in coverage. This will | | the modernized/personalized policy |
| Woodbridge | | also prevent having to figure out the | | forms. |
| Bay City | | amount of any unused premium that is | | |
| Stuart | | due to you from your old insurance | | Gross Premium: The net premium |
| Racine | | company, or having to spar with your | | plus operating expenses, |
| Santa Ana | | agent about exactly when your policy | | commissions and other expenses. |
| Worcester | | was cancelled and how much they | | |
| Monroe | | owe you. | | Amendment: A formal document |
| Tulsa | | | | which corrects or revises an |
| Chicago | | Individuals who have 30-year | | insurance master policy. |
| Fullerton | | mortgages might want to consider a | | |
| Biloxi | | 30-year term to ensure that the house | | Exclusion: A contractual provision that |
| Troy | | is protected throughout the period of | | denies coverage for certain perils, |
| Gaithersburg | | the loan. | | persons, property, or locations. |
