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| Philadelphia | | Make sure you have a new policy in | | Mandatory Valuation Reserve: A |
| Bradenton | | place before you cancel your old one | | reserve required by a state law to |
| Long Beach | | to avoid a lapse in coverage. This will | | offset any declines in the valuation of |
| Little Rock | | also prevent having to figure out the | | securities listed as admitted assets. |
| Omaha | | amount of any unused premium that is | | |
| Santa Clara | | due to you from your old insurance | | Approved Roof: A term used in |
| Wilmington | | company, or having to spar with your | | building construction. It indicates a |
| Memphis | | agent about exactly when your policy | | roof made of fire-resistive materials, |
| York | | was cancelled and how much they | | such as tile or asphalt shingles. |
| Des Moines | | owe you. | | |
| Lawrenceville | | | | Brick Veneer Construction: Refers to |
| Edison | | Individuals who have 30-year | | a building where the outside walls are |
| Glendale | | mortgages might want to consider a | | constructed of wood with a facing of a |
| Williamsport | | 30-year term to ensure that the house | | single layer of brick. |
| Poughkeepsie | | is protected throughout the period of | | |
| Topeka | | the loan. | | Replacement: A new policy written to |
| Macon | | | | take the place of one currently in force. |
| Goldsboro | | Why not take advantage of current | | |
| Colorado Springs | | low prices? Many auto insurance | | Earned Income: The money |
| El Cajon | | consumers are becoming educated | | individuals earn as a result of working |
| Salem | | on other companies, plans, and rates | | at some job or occupation for which |
| Fayetteville | | that are available to them; ones that | | they are paid a salary. |
| Lowell | | could afford them significant savings | | |
| Longwood | | on their auto insurance. | | Lapsed Policy: One which has been |
| Torrance | | | | allowed to expire because of |
| Naples | | While some companies raise their | | nonpayment of premiums. |
| Scranton | | prices based on your actual age, | | |
| Springfield | | most companies increase the price of | | Exclusions: Specific situations, |
| Orange Park | | their policies six months before your | | conditions, or circumstances that are |
| Ann Arbor | | birthday. Its a term called Age | | listed in the contract as being not |
| Stockbridge | | Nearest in the industry, and that | | covered. |
| Chesapeake | | half-year price increase could really | | |
| Burbank | | add up over a 20-year term policy. As | | Indemnify: To restore the victim of a |
| Pittsburgh | | above, the quicker you purchase your | | loss to the same position as before |
| St. Paul | | policy the better. | | the loss occurred. |
