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| Columbus | | Individuals who have 30-year | | First Party Insurance: Insurance which |
| Kalamazoo | | mortgages might want to consider a | | applies to coverage for the insured's |
| Oxnard | | 30-year term to ensure that the house | | own property or person. Contrast with |
| Bradenton | | is protected throughout the period of | | Third Party Insurance. |
| Atlanta | | the loan. | | |
| Birmingham | | | | Net Loss: The amount of loss |
| Williamsburg | | We offer quotes for auto insurance, | | sustained by an insurer after giving |
| Raleigh | | life insurance, homeowners | | effect to all applicable reinsurance, |
| Malden | | insurance, health insurance, term life | | salvage, and subrogation recoveries. |
| Ogden | | insurance and more. | | |
| Hendersonville | | | | Notice of Cancellation: Written notice |
| Grand Prairie | | Shopping around is the best way to | | by an insurer of intent to cancel |
| Newark | | save money on your insurance. | | insurance, or written notice by an |
| Columbus | | | | insured requesting cancellation. |
| Valdosta | | The quickest and easiest way to | | |
| Corpus Christi | | shop for new insurance is by | | Multi-Peril Policies: Policies which |
| Albany | | comparing rates at InsWebs online | | cover a number of perils, such as fire, |
| Jersey City | | marketplace. If you do it the | | burglary, and liability, in a single |
| St. Louis | | old-fashioned way (by calling or | | contract. |
| Jackson | | visiting multiple agents or insurance | | |
| Garland | | companies) it could take up a huge | | Lloyd's Broker: A person who has the |
| Florence | | chunk of your time, which no one | | authority to negotiate insurance |
| Fort Wayne | | wants or needs. By completing | | contracts with the underwriters on the |
| Kalamazoo | | InsWebs online application, you will | | floor at Lloyd's. |
| Lake Worth | | have rates to compare to your old | | |
| Newburgh | | ones within minutes! | | Loss Frequency: The number of times |
| Fairfax | | | | a loss occurs over a specific period |
| Greeley | | At InsWeb, you can compare free | | of time. |
| Melbourne | | online insurance quotes from many of | | |
| New Orleans | | the nations leading insurance | | Nonadmitted Insurer: An insurer not |
| Yuma | | companies. | | licensed to do business in the |
| Rockville | | | | jurisdiction in question. Same as |
| Lansing | | Make sure you have a new policy in | | Unauthorized Insurer and Unlicensed |
| Orlando | | place before you cancel your old one | | Insurer. |
| Abilene | | to avoid a lapse in coverage. This will | | |
| Yonkers | | also prevent having to figure out the | | |
| Athens | | amount of any unused premium that is | | |
| Alpharetta | | due to you from your old insurance | | |
| High Point | | company, or having to spar with your | | |
| Grand Prairie | | agent about exactly when your policy | | |
| Winter Haven | | was cancelled and how much they | | |
| Chesapeake | | owe you. | | |
