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| Lexington | | Make sure you have a new policy in | | Net Retention: The amount of |
| Tacoma | | place before you cancel your old one | | insurance that a ceding company |
| Cincinnati | | to avoid a lapse in coverage. This will | | keeps for its own account and does |
| Philadelphia | | also prevent having to figure out the | | not reinsure. |
| Arlington | | amount of any unused premium that is | | |
| St. Louis | | due to you from your old insurance | | Insurance to Value: Insurance written |
| San Antonio | | company, or having to spar with your | | in an amount approximating the value |
| Athens | | agent about exactly when your policy | | of the property insured. |
| Lake Worth | | was cancelled and how much they | | |
| Corona | | owe you. | | Sherman Antitrust Act: An antitrust law |
| Muskegon | | | | from which insurance is exempted to |
| Stamford | | The best time to switch policies is | | the extent that it is regulated by state |
| Wilmington | | within one month of receiving your | | law. |
| Huntington | | policy renewal from your current | | |
| Biloxi | | insurer. You can typically cancel your | | Building Code: This refers to |
| Alpharetta | | policy without any fees or penalties if | | municipal or other governmental |
| Ocala | | you act within this time period. | | ordinances regulating the type of |
| Knoxville | | | | construction of buildings within its |
| Beaumont | | The quickest and easiest way to | | jurisdiction. |
| St. Paul | | shop for new insurance is by | | |
| Oxnard | | comparing rates at InsWebs online | | Shock Loss: A catastrophic loss so |
| Glendale | | marketplace. If you do it the | | large that it has a material effect on |
| Toms River | | old-fashioned way (by calling or | | the underwriting results of a company. |
| Savannah | | visiting multiple agents or insurance | | |
| Williamsport | | companies) it could take up a huge | | Flat Cancellation: A policy which is |
| Jersey City | | chunk of your time, which no one | | cancelled upon its effective date. |
| Mesquite | | wants or needs. By completing | | Usually under a flat cancellation no |
| Dayton | | InsWebs online application, you will | | premium charge is made. |
| High Point | | have rates to compare to your old | | |
| Costa Mesa | | ones within minutes! | | Exclusions: Specific situations, |
| Fort Myers | | | | conditions, or circumstances that are |
| Winter Haven | | We offer quotes for auto insurance, | | listed in the contract as being not |
| Syracuse | | life insurance, homeowners | | covered. |
| Schaumburg | | insurance, health insurance, term life | | |
| Decatur | | insurance and more. | | |
