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| Lafayette | | While some companies raise their | | Renewal: The reestablishment of the |
| Abilene | | prices based on your actual age, | | in-force status of a policy, the term of |
| Denton | | most companies increase the price of | | which has expired or will expire |
| Columbus | | their policies six months before your | | unless it is renewed. |
| South Bend | | birthday. Its a term called Age | | |
| Fresno | | Nearest in the industry, and that | | Losses Outstanding: A summary |
| Roanoke | | half-year price increase could really | | statement prepared by Property, Life, |
| Reno | | add up over a 20-year term policy. As | | and Liability insurers showing claims |
| Malden | | above, the quicker you purchase your | | not yet settled. |
| Colorado Springs | | policy the better. | | |
| Pittsburgh | | | | Criticism: A correction suggested by a |
| Lima | | The best time to switch policies is | | rating or auditing bureau to an insurer. |
| Boulder | | within one month of receiving your | | |
| Las Vegas | | policy renewal from your current | | Multi-Peril Policies: Policies which |
| Corpus Christi | | insurer. You can typically cancel your | | cover a number of perils, such as fire, |
| Las Cruces | | policy without any fees or penalties if | | burglary, and liability, in a single |
| Irving | | you act within this time period. | | contract. |
