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| Santa Clara | | The best time to switch policies is | | Net Retention: The amount of |
| Charlotte | | within one month of receiving your | | insurance that a ceding company |
| Olympia | | policy renewal from your current | | keeps for its own account and does |
| Tucson | | insurer. You can typically cancel your | | not reinsure. |
| White Plains | | policy without any fees or penalties if | | |
| Racine | | you act within this time period. | | Malicious Mischief: Similar to |
| Johnson City | | | | vandalism. Purposely damaging the |
| Winter Haven | | Make sure you have a new policy in | | rights or property of another. |
| Scranton | | place before you cancel your old one | | |
| Bayside | | to avoid a lapse in coverage. This will | | Interline Endorsement: Commercial |
| Santa Clara | | also prevent having to figure out the | | endorsements that apply, or could |
| Lima | | amount of any unused premium that is | | apply, to more than one coverage |
| Mobile | | due to you from your old insurance | | part of a package policy. |
| Wilmington | | company, or having to spar with your | | |
| Gulfport | | agent about exactly when your policy | | Basic Rate: The manual rate from |
| Honolulu | | was cancelled and how much they | | which discounts are taken or to which |
| Wilmington | | owe you. | | charges are added to reflect the |
| Westbury | | | | individual circumstances of a risk. |
| Vineland | | Individuals who have 30-year | | |
| Davenport | | mortgages might want to consider a | | Gain and Loss Exhibit: The portion of |
| Birmingham | | 30-year term to ensure that the house | | the convention blank which |
| Denver | | is protected throughout the period of | | represents an analysis of gains, |
| Warren | | the loan. | | losses, and surplus during an |
| Elkhart | | | | accounting period. |
| Oakland | | At InsWeb, you can compare free | | |
| Trenton | | online insurance quotes from many of | | Business: In Property, Liability, and |
| Brooklyn | | the nations leading insurance | | Health lines, it usually refers to the |
| Birmingham | | companies. | | volume of premiums. |
