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| Lancaster | | The quickest and easiest way to | | Premises: The particular location of |
| Charleston | | shop for new insurance is by | | property or a portion thereof as |
| Spring Hill | | comparing rates at InsWebs online | | designated in a policy. |
| Odessa | | marketplace. If you do it the | | |
| Santa Rosa | | old-fashioned way (by calling or | | Basic Rate: The manual rate from |
| Franklin | | visiting multiple agents or insurance | | which discounts are taken or to which |
| Philadelphia | | companies) it could take up a huge | | charges are added to reflect the |
| Bayside | | chunk of your time, which no one | | individual circumstances of a risk. |
| Salem | | wants or needs. By completing | | |
| Sunnyvale | | InsWebs online application, you will | | Public Adjuster: An insurance adjuster |
| Columbus | | have rates to compare to your old | | who represents an insured on a fee |
| Flushing | | ones within minutes! | | basis in claims settlement. Contrast |
| Fort Wayne | | | | with Independent Adjuster. |
| Louisville | | If you decide to cancel your policy | | |
| Stamford | | (after acquiring new coverage) | | Broker of Record: A broker who has |
| Santa Clara | | outside of the 30-day period, you may | | been designated to handle certain |
| Anderson | | have to pay a fee or penalty. | | insurance contracts for the |
| Cincinnati | | However, you may still save money | | policyholder. |
| Anderson | | after paying the fee if your new policy | | |
| Pasadena | | affords you significant savings. So | | Net Retention: The amount of |
| Hot Springs | | while it is best to wait until your | | insurance that a ceding company |
| Lubbock | | receive your renewal notice, you CAN | | keeps for its own account and does |
| Dearborn | | cancel your policy at any time. | | not reinsure. |
