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| Des Moines | | The best time to switch policies is | | Inspection: Independent checking on |
| Dallas | | within one month of receiving your | | facts about an applicant, |
| New Port Richey | | policy renewal from your current | | policyholder, or claimant, usually by a |
| Cape Coral | | insurer. You can typically cancel your | | commercial inspection agency. |
| Reno | | policy without any fees or penalties if | | |
| Corona | | you act within this time period. | | Director of Insurance: A title used in |
| New Port Richey | | | | some states for the head of the |
| Rockford | | While some companies raise their | | department of insurance. |
| Olympia | | prices based on your actual age, | | |
| Jackson | | most companies increase the price of | | Building Code: This refers to |
| Owensboro | | their policies six months before your | | municipal or other governmental |
| Clearwater | | birthday. Its a term called Age | | ordinances regulating the type of |
| Houston | | Nearest in the industry, and that | | construction of buildings within its |
| Chicago | | half-year price increase could really | | jurisdiction. |
| Pembroke Pines | | add up over a 20-year term policy. As | | |
| Allentown | | above, the quicker you purchase your | | Buy-Back" Deductible: A deductible |
| Boynton Beach | | policy the better. | | which may be eliminated for an |
| Hattiesburg | | | | additional premium in order to |
| Rochester | | Make sure you have a new policy in | | provide "first-dollar" coverage. |
| Turlock | | place before you cancel your old one | | |
| Naples | | to avoid a lapse in coverage. This will | | Malicious Mischief: Similar to |
| Santa Ana | | also prevent having to figure out the | | vandalism. Purposely damaging the |
| Newburgh | | amount of any unused premium that is | | rights or property of another. |
| Conroe | | due to you from your old insurance | | |
| Chula Vista | | company, or having to spar with your | | New For Old: Replacing old |
| Lafayette | | agent about exactly when your policy | | damaged parts or equipment with |
| Florissant | | was cancelled and how much they | | new ones rather than repairing them. |
| Walnut Creek | | owe you. | | |
| Hollywood | | | | Collusion: An agreement, usually |
| Naperville | | Healthy people have the best | | secret, between two or more persons |
| Greensboro | | mortality risks and thus are much | | to defraud or deprive another or |
| Franklin | | cheaper for companies to insure. This | | others of their property or rights. |
| Livonia | | translates into lower rates for the | | |
| Bayside | | Super Preferred customer than | | Admitted (or Allowed) Assets: Assets |
| Greenville | | someone with higher risk factors such | | whose values are permitted by state |
| Lakewood | | as a heart condition, cancer or | | law to be included in the annual |
| Tuscaloosa | | diabetes. Conversely, if you were | | statement of the insurer. |
| Fullerton | | unhealthy when you acquired your | | |
| Johnstown | | policy, and your health has now | | |
| Pompano Beach | | improved, it might be time to shop for | | |
| Atlanta | | a new policy, as your rates are likely | | |
| Southfield | | to be lower. | | |
