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| Stockbridge | | Why not take advantage of current | | Overlapping Insurance: Coverage |
| Stockton | | low prices? Many auto insurance | | from two or more policies or insurers |
| Salem | | consumers are becoming educated | | which duplicates coverage of certain |
| Rochester | | on other companies, plans, and rates | | risks. |
| Rockford | | that are available to them; ones that | | |
| Topeka | | could afford them significant savings | | Multi-Peril Policies: Policies which |
| Conroe | | on their auto insurance. | | cover a number of perils, such as fire, |
| Kansas City | | | | burglary, and liability, in a single |
| Anderson | | Everyone has different needs, and | | contract. |
| Bayside | | not one size fits all when it comes to | | |
| Melbourne | | term life insurance. While it may make | | Exclusions: Specific situations, |
| Trenton | | sense for people in their 30s and 40s | | conditions, or circumstances that are |
| St. Paul | | to secure a 20-year term length, a | | listed in the contract as being not |
| Reno | | 10-year term might be more | | covered. |
| Williamsburg | | appropriate for someone nearing | | |
| San Jose | | retirement. | | New For Old: Replacing old |
| Hendersonville | | | | damaged parts or equipment with |
| Wilmington | | The quickest and easiest way to | | new ones rather than repairing them. |
| Belleville | | shop for new insurance is by | | |
| Dothan | | comparing rates at InsWebs online | | Exclusion: A contractual provision that |
| Arlington | | marketplace. If you do it the | | denies coverage for certain perils, |
| Santa Monica | | old-fashioned way (by calling or | | persons, property, or locations. |
| Alexandria | | visiting multiple agents or insurance | | |
| Norfolk | | companies) it could take up a huge | | Time Limits: The limits of time within |
| Grand Prairie | | chunk of your time, which no one | | which notice of a claim and proof of a |
| Reading | | wants or needs. By completing | | loss must be submitted. |
| Redlands | | InsWebs online application, you will | | |
| Corona | | have rates to compare to your old | | Producer: A term applied to an agent, |
| Fremont | | ones within minutes! | | solicitor or other person who sells |
| Duluth | | | | insurance. |
| Goldsboro | | Individuals who have 30-year | | |
| Rockford | | mortgages might want to consider a | | Policy Period (or Term): The period |
| Berkeley | | 30-year term to ensure that the house | | during which the policy contract |
| Roanoke | | is protected throughout the period of | | affords protection, e.g., six months or |
| Lawton | | the loan. | | one or three years. |
