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| Alameda | | The best time to switch policies is | | Submitted Business: Applications for |
| Downey | | within one month of receiving your | | insurance submitted to an insurer but |
| Lubbock | | policy renewal from your current | | not yet acted upon by it. |
| Delray Beach | | insurer. You can typically cancel your | | |
| Bayside | | policy without any fees or penalties if | | Inspection: Independent checking on |
| Abilene | | you act within this time period. | | facts about an applicant, |
| Columbia | | | | policyholder, or claimant, usually by a |
| Seattle | | The quickest and easiest way to | | commercial inspection agency. |
| Bakersfield | | shop for new insurance is by | | |
| Huntington Beach | | comparing rates at InsWebs online | | Expense Allowance: A compensation |
| Staten Island | | marketplace. If you do it the | | paid to an insurance agent in excess |
| Salt Lake City | | old-fashioned way (by calling or | | of prescribed commissions. |
| Flushing | | visiting multiple agents or insurance | | |
| Fayetteville | | companies) it could take up a huge | | Leasehold: An agreement which |
| Bakersfield | | chunk of your time, which no one | | gives a person the right to use and |
| Corona | | wants or needs. By completing | | occupy property. |
| Pensacola | | InsWebs online application, you will | | |
| Winter Haven | | have rates to compare to your old | | Incurred Expense: Expenses not yet |
| Bloomington | | ones within minutes! | | paid. Can also include paid |
| Fairfax | | | | expenses in some accounting |
| Huntsville | | Make sure you have a new policy in | | systems. |
| Longmont | | place before you cancel your old one | | |
| Fayetteville | | to avoid a lapse in coverage. This will | | Underwriters Laboratories, Inc. (UL): A |
| Raleigh | | also prevent having to figure out the | | testing laboratory for manufactured |
| El Paso | | amount of any unused premium that is | | items to determine their safety |
| Houma | | due to you from your old insurance | | propensities. |
| Beaumont | | company, or having to spar with your | | |
| Houston | | agent about exactly when your policy | | Theory of Probability: The |
| Littleton | | was cancelled and how much they | | mathematical principle upon which |
| Costa Mesa | | owe you. | | insurance is based. |