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| Chula Vista | | Individuals who have 30-year | | Net Loss: The amount of loss |
| Austin | | mortgages might want to consider a | | sustained by an insurer after giving |
| Oxnard | | 30-year term to ensure that the house | | effect to all applicable reinsurance, |
| Kalamazoo | | is protected throughout the period of | | salvage, and subrogation recoveries. |
| Albany | | the loan. | | |
| Fall River | | | | Agent's Qualification Law: Education, |
| High Point | | Make sure you have a new policy in | | experience, and other requirements |
| Gaithersburg | | place before you cancel your old one | | imposed by the state upon persons |
| Pensacola | | to avoid a lapse in coverage. This will | | desiring to be licensed as agents. |
| Hickory | | also prevent having to figure out the | | |
| Decatur | | amount of any unused premium that is | | Brokerage Business: Business |
| North Hollywood | | due to you from your old insurance | | offered to an insurer by a broker. This |
| Winter Haven | | company, or having to spar with your | | is sometimes called excess or |
| Allentown | | agent about exactly when your policy | | surplus business. |
| Monroe | | was cancelled and how much they | | |
| Fayetteville | | owe you. | | Underwriters Laboratories, Inc. (UL): A |
| Austin | | | | testing laboratory for manufactured |
| Tucson | | At InsWeb, you can compare free | | items to determine their safety |
| Atlanta | | online insurance quotes from many of | | propensities. |
| Austin | | the nations leading insurance | | |
| Albuquerque | | companies. | | Deficit Carried Forward: The transfer |
| Athens | | | | of a debit balance from one |
| Brooklyn | | If you decide to cancel your policy | | accounting period to another. |
| St. Paul | | (after acquiring new coverage) | | |
| Cape Coral | | outside of the 30-day period, you may | | Flat Cancellation: A policy which is |
| Venice | | have to pay a fee or penalty. | | cancelled upon its effective date. |
| Winter Park | | However, you may still save money | | Usually under a flat cancellation no |
| Little Rock | | after paying the fee if your new policy | | premium charge is made. |
| Cranston | | affords you significant savings. So | | |
| Metairie | | while it is best to wait until your | | Broker-Agent: One acting as an agent |
| Huntington Beach | | receive your renewal notice, you CAN | | of one or more insurers and as a |
| Chicago | | cancel your policy at any time. | | broker in dealing with one or more |
| Rome | | | | other insurers. |
| Alpharetta | | The best time to switch policies is | | |
| Portland | | within one month of receiving your | | |
| Slidell | | policy renewal from your current | | |
| Corona | | insurer. You can typically cancel your | | |
| Charlotte | | policy without any fees or penalties if | | |
| Ann Arbor | | you act within this time period. | | |
