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| Greeley | | Individuals who have 30-year | | Agency Company: An insurance |
| Atlanta | | mortgages might want to consider a | | company that produces business |
| Hot Springs | | 30-year term to ensure that the house | | through an agency network. Contrast |
| Albuquerque | | is protected throughout the period of | | with Direct Writer. |
| Springfield | | the loan. | | |
| Nashville | | | | Agency Contract (or Agreement): The |
| Norfolk | | The best time to switch policies is | | document which establishes the legal |
| Long Beach | | within one month of receiving your | | relationship between an agent and an |
| Thousand Oaks | | policy renewal from your current | | insurer. |
| Fort Myers | | insurer. You can typically cancel your | | |
| Jacksonville | | policy without any fees or penalties if | | Claim Report: A report filed by an |
| Columbia | | you act within this time period. | | agent setting forth the facts of a claim. |
| Palm Harbor | | | | Same as Loss Report. |
| Los Angeles | | The quickest and easiest way to | | |
| Portland | | shop for new insurance is by | | Nonassignable: A policy that the |
| Ocala | | comparing rates at InsWebs online | | owner cannot assign to a third party. |
| Cambridge | | marketplace. If you do it the | | Most policies are nonassignable |
| Dearborn | | old-fashioned way (by calling or | | unless approval is given by the |
| Edmond | | visiting multiple agents or insurance | | insurer. |
| Slidell | | companies) it could take up a huge | | |
| Sarasota | | chunk of your time, which no one | | Exclusions: Specific situations, |
| Riverside | | wants or needs. By completing | | conditions, or circumstances that are |
| Abilene | | InsWebs online application, you will | | listed in the contract as being not |
| Henderson | | have rates to compare to your old | | covered. |
| Cedar Rapids | | ones within minutes! | | |
| Manchester | | | | Losses Outstanding: A summary |
| Baton Rouge | | While some companies raise their | | statement prepared by Property, Life, |
| Gainesville | | prices based on your actual age, | | and Liability insurers showing claims |
| Monroe | | most companies increase the price of | | not yet settled. |
| Tyler | | their policies six months before your | | |
| Lorain | | birthday. Its a term called Age | | Submitted Business: Applications for |
| Hendersonville | | Nearest in the industry, and that | | insurance submitted to an insurer but |
| Hattiesburg | | half-year price increase could really | | not yet acted upon by it. |
| San Antonio | | add up over a 20-year term policy. As | | |
| Longmont | | above, the quicker you purchase your | | |
| Gaithersburg | | policy the better. | | |
