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| Johnstown | | Make sure you have a new policy in | | Expense Allowance: A compensation |
| Pensacola | | place before you cancel your old one | | paid to an insurance agent in excess |
| Lima | | to avoid a lapse in coverage. This will | | of prescribed commissions. |
| Lakewood | | also prevent having to figure out the | | |
| Shreveport | | amount of any unused premium that is | | Monoline Policy: Any insurance |
| Houma | | due to you from your old insurance | | coverage written as a single line |
| Canton | | company, or having to spar with your | | policy. Contrast with Multiple Line or |
| Plano | | agent about exactly when your policy | | Package policy. |
| Billings | | was cancelled and how much they | | |
| San Antonio | | owe you. | | Examiner: An employee assigned by |
| Tallahassee | | | | the state insurance department to |
| Carlsbad | | The best time to switch policies is | | audit insurers' records. |
| Stockbridge | | within one month of receiving your | | |
| Louisville | | policy renewal from your current | | Insurance Policy: The printed form |
| Spartanburg | | insurer. You can typically cancel your | | which serves as the contract between |
| Clarksville | | policy without any fees or penalties if | | an insurer and an insured. |
| Reno | | you act within this time period. | | |
| Davenport | | | | Depreciation: A decrease in the value |
| Glendale | | We offer quotes for auto insurance, | | of any type of tangible property over |
| Durham | | life insurance, homeowners | | a period of time resulting from use, |
| Lafayette | | insurance, health insurance, term life | | wear and tear, or obsolescence. |
| Palo Alto | | insurance and more. | | |
| Thousand Oaks | | | | Appraisal: An evaluation of property |
| Jacksonville | | Healthy people have the best | | made to ascertain either the |
| Newport Beach | | mortality risks and thus are much | | appropriate amount of insurance to |
| Berkeley | | cheaper for companies to insure. This | | be written or the amount of loss to be |
| St. Joseph | | translates into lower rates for the | | paid. |
| Palm Desert | | Super Preferred customer than | | |
| Midland | | someone with higher risk factors such | | Agency Contract (or Agreement): The |
| Irving | | as a heart condition, cancer or | | document which establishes the legal |
| Henderson | | diabetes. Conversely, if you were | | relationship between an agent and an |
| Fort Smith | | unhealthy when you acquired your | | insurer. |
| Fullerton | | policy, and your health has now | | |
| Palo Alto | | improved, it might be time to shop for | | Indemnity: Restoration to the victim of |
| Warren | | a new policy, as your rates are likely | | a loss by payment, repair, or |
| Oceanside | | to be lower. | | replacement. |
