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| Riverside | | Make sure you have a new policy in | | Valuation Clause: A clause stating the |
| Chicago | | place before you cancel your old one | | value of items for insurance |
| Roanoke | | to avoid a lapse in coverage. This will | | purposes, making it a valued policy. |
| Kansas City | | also prevent having to figure out the | | |
| Jersey City | | amount of any unused premium that is | | Shock Loss: A catastrophic loss so |
| Vineland | | due to you from your old insurance | | large that it has a material effect on |
| Rochester | | company, or having to spar with your | | the underwriting results of a company. |
| West Chester | | agent about exactly when your policy | | |
| Augusta | | was cancelled and how much they | | Earned Income: The money |
| Fremont | | owe you. | | individuals earn as a result of working |
| Baton Rouge | | | | at some job or occupation for which |
| Roanoke | | Individuals who have 30-year | | they are paid a salary. |
| Myrtle Beach | | mortgages might want to consider a | | |
| Buffalo | | 30-year term to ensure that the house | | Malicious Mischief: Similar to |
| Texarkana | | is protected throughout the period of | | vandalism. Purposely damaging the |
| Nashville | | the loan. | | rights or property of another. |
