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| Houma | | People who are trying to quit | | Exclusions: Specific situations, |
| Erie | | smoking, for example, might be best | | conditions, or circumstances that are |
| Cambridge | | suited purchasing a shorter term (and | | listed in the contract as being not |
| Quincy | | then replacing it with a longer term | | covered. |
| Hartford | | policy when they qualify for | | |
| Cincinnati | | non-tobacco prices). | | Valuation Clause: A clause stating the |
| Syracuse | | | | value of items for insurance |
| Tampa | | If you have noticed that your auto | | purposes, making it a valued policy. |
| Cincinnati | | insurance rates are still increasing | | |
| Walnut Creek | | with each renewal, or even have not | | Policywriting Agent: An agent who has |
| Wilmington | | gone down even though you have a | | the authority to prepare and effect an |
| Sioux Falls | | great driving record, this lower pricing | | insurer's policy. |
| Brooklyn | | trend makes it more important then | | |
| Springfield | | ever that you shop around for auto | | We/Us/Our: These words are used to |
| Seattle | | insurance. | | refer to the insurer in many of the |
| Tacoma | | | | modernized/personalized policy |
| Poughkeepsie | | We offer quotes for auto insurance, | | forms recently introduced. |
| Killeen | | life insurance, homeowners | | |
| Woodbridge | | insurance, health insurance, term life | | Approved: The condition which exists |
| Coral Springs | | insurance and more. | | when the person or object to be |
| Waterloo | | | | insured meets the underwriting |
| Fayetteville | | The best time to switch policies is | | standards of the insurer. |
| Slidell | | within one month of receiving your | | |
| Chesapeake | | policy renewal from your current | | Loss Adjustment Expense: The cost |
| Tallahassee | | insurer. You can typically cancel your | | of adjusting losses, excluding the |
| Seattle | | policy without any fees or penalties if | | amount of the loss itself. |
| Tallahassee | | you act within this time period. | | |
| Lincoln | | | | Building Code: This refers to |
| Reno | | Make sure you have a new policy in | | municipal or other governmental |
| Beaumont | | place before you cancel your old one | | ordinances regulating the type of |
| Denver | | to avoid a lapse in coverage. This will | | construction of buildings within its |
| Richmond | | also prevent having to figure out the | | jurisdiction. |
| Bakersfield | | amount of any unused premium that is | | |
| Bloomington | | due to you from your old insurance | | Coding: A method of putting |
| Waco | | company, or having to spar with your | | information into a numerical form for |
| Warwick | | agent about exactly when your policy | | statistical use. Most information on |
| Norfolk | | was cancelled and how much they | | policies is coded and then put into |
| Quincy | | owe you. | | reports. |
