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| Pembroke Pines | | Individuals who have 30-year | | Minimum Premium: The smallest |
| Syracuse | | mortgages might want to consider a | | amount of premium for which an |
| Malden | | 30-year term to ensure that the house | | insurer will issue coverage under a |
| Chandler | | is protected throughout the period of | | given policy. |
| Fort Lauderdale | | the loan. | | |
| Little Rock | | | | Legislative Risk: A risk faced by |
| Arlington | | Shopping around is the best way to | | investors whereby changes in tax |
| Bayside | | save money on your insurance. | | laws can result in adverse effects on |
| Virginia Beach | | | | the individual's investment results. |
| Silver Spring | | At InsWeb, you can compare free | | |
| Newburgh | | online insurance quotes from many of | | Brokerage Business: Business |
| Valdosta | | the nations leading insurance | | offered to an insurer by a broker. This |
| Beaumont | | companies. | | is sometimes called excess or |
| Bloomington | | | | surplus business. |
| San Diego | | The best time to switch policies is | | |
| Cape Coral | | within one month of receiving your | | Incurred Expense: Expenses not yet |
| Sioux Falls | | policy renewal from your current | | paid. Can also include paid |
| Roanoke | | insurer. You can typically cancel your | | expenses in some accounting |
| Bronx | | policy without any fees or penalties if | | systems. |
| Grand Rapids | | you act within this time period. | | |
| Lawrenceville | | | | Gross Line: The total limit accepted |
| Williamsport | | If you decide to cancel your policy | | by an insurer on an individual risk, |
| Portsmouth | | (after acquiring new coverage) | | including the amount to be reinsured. |
| Boynton Beach | | outside of the 30-day period, you may | | |
| Toledo | | have to pay a fee or penalty. | | Sherman Antitrust Act: An antitrust law |
| Newport News | | However, you may still save money | | from which insurance is exempted to |
| Corpus Christi | | after paying the fee if your new policy | | the extent that it is regulated by state |
| Fresno | | affords you significant savings. So | | law. |
| Long Beach | | while it is best to wait until your | | |
| San Jose | | receive your renewal notice, you CAN | | Accident: An unplanned event, |
| Wichita Falls | | cancel your policy at any time. | | unexpected and undesigned, which |
| Ocala | | | | occurs suddenly and at a definite |
| Bay City | | Make sure you have a new policy in | | place. |
| Yonkers | | place before you cancel your old one | | |
| Williamsport | | to avoid a lapse in coverage. This will | | |
| Overland Park | | also prevent having to figure out the | | |
| Reno | | amount of any unused premium that is | | |
| Cedar Rapids | | due to you from your old insurance | | |
| Lafayette | | company, or having to spar with your | | |
| Duluth | | agent about exactly when your policy | | |
| Walnut Creek | | was cancelled and how much they | | |
| Newark | | owe you. | | |
