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| Flint | | The best time to switch policies is | | Claim: A demand made by the |
| Bloomington | | within one month of receiving your | | insured, or the insured's beneficiary, |
| Springfield | | policy renewal from your current | | for payment of the benefits provided |
| Santa Rosa | | insurer. You can typically cancel your | | by the contract. |
| Anderson | | policy without any fees or penalties if | | |
| Yonkers | | you act within this time period. | | Equity: The money value of an |
| Lake Worth | | | | insurance company that is over and |
| Coral Springs | | The quickest and easiest way to | | above its liabilities. Liabilities include |
| Palm Desert | | shop for new insurance is by | | almost all of its reserves. |
| Shreveport | | comparing rates at InsWebs online | | |
| Asheville | | marketplace. If you do it the | | Partial Loss: A loss covered by an |
| Lubbock | | old-fashioned way (by calling or | | insurance policy which does not |
| Chesapeake | | visiting multiple agents or insurance | | completely destroy or render |
| Greenville | | companies) it could take up a huge | | worthless the insured property. |
| Fort Worth | | chunk of your time, which no one | | |
| Billings | | wants or needs. By completing | | Net Interest Earned: The average |
| Chicago | | InsWebs online application, you will | | interest earned by an insurer on its |
| Montgomery | | have rates to compare to your old | | investments after investment expense |
| Winter Park | | ones within minutes! | | but before federal income taxes. |
