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| Oceanside | | The quickest and easiest way to | | Time Limits: The limits of time within |
| El Cajon | | shop for new insurance is by | | which notice of a claim and proof of a |
| Muskegon | | comparing rates at InsWebs online | | loss must be submitted. |
| Winter Park | | marketplace. If you do it the | | |
| Omaha | | old-fashioned way (by calling or | | Overlapping Insurance: Coverage |
| Gainesville | | visiting multiple agents or insurance | | from two or more policies or insurers |
| Macon | | companies) it could take up a huge | | which duplicates coverage of certain |
| North Hollywood | | chunk of your time, which no one | | risks. |
| Franklin | | wants or needs. By completing | | |
| Mobile | | InsWebs online application, you will | | Flat Cancellation: A policy which is |
| Fort Wayne | | have rates to compare to your old | | cancelled upon its effective date. |
| Richmond | | ones within minutes! | | Usually under a flat cancellation no |
| Cherry Hill | | | | premium charge is made. |
| New Port Richey | | Shopping around is the best way to | | |
| Savannah | | save money on your insurance. | | Minimum Premium: The smallest |
| Austin | | | | amount of premium for which an |
| Columbus | | Individuals who have 30-year | | insurer will issue coverage under a |
| Little Rock | | mortgages might want to consider a | | given policy. |
| Clarksville | | 30-year term to ensure that the house | | |
| Williamsport | | is protected throughout the period of | | Short Rate Premium: The premium |
| Huntington | | the loan. | | required for issuing a policy for a |
| Cleveland | | | | period less than its normal term. |
| Lawton | | The best time to switch policies is | | |
| Abilene | | within one month of receiving your | | New For Old: Replacing old |
| Winter Haven | | policy renewal from your current | | damaged parts or equipment with |
| Bay City | | insurer. You can typically cancel your | | new ones rather than repairing them. |
| Delray Beach | | policy without any fees or penalties if | | |
| Bellevue | | you act within this time period. | | Initial Premium: An amount paid at the |
| Anaheim | | | | inception of an insurance contract, |
| Stockton | | Everyone has different needs, and | | usually subject to adjustment at the |
| Dallas | | not one size fits all when it comes to | | end of the policy period. |
| Toms River | | term life insurance. While it may make | | |
| Dearborn | | sense for people in their 30s and 40s | | Approved Roof: A term used in |
| Hattiesburg | | to secure a 20-year term length, a | | building construction. It indicates a |
| Aurora | | 10-year term might be more | | roof made of fire-resistive materials, |
| Kansas City | | appropriate for someone nearing | | such as tile or asphalt shingles. |
| Vineland | | retirement. | | |
