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| Oxnard | | People who are trying to quit | | Accidental Bodily Injury: An injury |
| Jackson | | smoking, for example, might be best | | sustained accidentally. Only the result |
| Sunnyvale | | suited purchasing a shorter term (and | | need be accidental. Contrast with |
| Columbus | | then replacing it with a longer term | | Accidental Means. |
| Huntington | | policy when they qualify for | | |
| Macon | | non-tobacco prices). | | Exclusions: Specific situations, |
| Independence | | | | conditions, or circumstances that are |
| Rapid City | | Make sure you have a new policy in | | listed in the contract as being not |
| Vineland | | place before you cancel your old one | | covered. |
| Turlock | | to avoid a lapse in coverage. This will | | |
| Whittier | | also prevent having to figure out the | | Underwriters Laboratories, Inc. (UL): A |
| Miami | | amount of any unused premium that is | | testing laboratory for manufactured |
| Quincy | | due to you from your old insurance | | items to determine their safety |
| Des Moines | | company, or having to spar with your | | propensities. |
| Jacksonville | | agent about exactly when your policy | | |
| Williamsburg | | was cancelled and how much they | | Appraisal: An evaluation of property |
| Springfield | | owe you. | | made to ascertain either the |
| Philadelphia | | | | appropriate amount of insurance to |
| Hollywood | | Shopping around is the best way to | | be written or the amount of loss to be |
| Silver Spring | | save money on your insurance. | | paid. |
