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| Jacksonville | | At InsWeb, you can compare free | | Renewal: The reestablishment of the |
| Lake Worth | | online insurance quotes from many of | | in-force status of a policy, the term of |
| Bayside | | the nations leading insurance | | which has expired or will expire |
| Cedar Rapids | | companies. | | unless it is renewed. |
| Worcester | | | | |
| Long Beach | | Make sure you have a new policy in | | Independent Agent: An agent |
| Schaumburg | | place before you cancel your old one | | operating as an independent |
| Odessa | | to avoid a lapse in coverage. This will | | contractor under the independent |
| Cincinnati | | also prevent having to figure out the | | agency system. |
| Glendale | | amount of any unused premium that is | | |
| New York | | due to you from your old insurance | | Insurance to Value: Insurance written |
| Boston | | company, or having to spar with your | | in an amount approximating the value |
| Long Island City | | agent about exactly when your policy | | of the property insured. |
| Carlsbad | | was cancelled and how much they | | |
| Decatur | | owe you. | | Valued: Relating to an agreement by |
| Santa Ana | | | | an insurer to pay a specified amount |
| Oceanside | | While some companies raise their | | of money to or on behalf of the |
| Goldsboro | | prices based on your actual age, | | insured upon occurrence of a defined |
| Elkhart | | most companies increase the price of | | loss. |
| Bay City | | their policies six months before your | | |
| San Francisco | | birthday. Its a term called Age | | Index Bureau Experience: A measure |
| Oakland | | Nearest in the industry, and that | | of losses relating to claims reported |
| Stockton | | half-year price increase could really | | through a claim office during a |
| Anderson | | add up over a 20-year term policy. As | | 12-month period. |
| Hickory | | above, the quicker you purchase your | | |
| San Diego | | policy the better. | | Effective Date: The date on which the |
| Santa Clara | | | | protection of an insurance policy or |
| Salt Lake City | | The quickest and easiest way to | | bond goes into effect. |
| Killeen | | shop for new insurance is by | | |
| Daytona Beach | | comparing rates at InsWebs online | | Brick Veneer Construction: Refers to |
| Harlingen | | marketplace. If you do it the | | a building where the outside walls are |
| Wilmington | | old-fashioned way (by calling or | | constructed of wood with a facing of a |
| Charleston | | visiting multiple agents or insurance | | single layer of brick. |
| Newport News | | companies) it could take up a huge | | |
| South Bend | | chunk of your time, which no one | | |
| Davenport | | wants or needs. By completing | | |
| Charleston | | InsWebs online application, you will | | |
| Marietta | | have rates to compare to your old | | |
| Detroit | | ones within minutes! | | |
