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| Phoenix | | Healthy people have the best | | Replacement: A new policy written to |
| Fort Worth | | mortality risks and thus are much | | take the place of one currently in force. |
| Flint | | cheaper for companies to insure. This | | |
| Savannah | | translates into lower rates for the | | Insurance to Value: Insurance written |
| Fremont | | Super Preferred customer than | | in an amount approximating the value |
| Bloomington | | someone with higher risk factors such | | of the property insured. |
| Manchester | | as a heart condition, cancer or | | |
| Woodbridge | | diabetes. Conversely, if you were | | Examiner: An employee assigned by |
| Valdosta | | unhealthy when you acquired your | | the state insurance department to |
| Johnson City | | policy, and your health has now | | audit insurers' records. |
| Birmingham | | improved, it might be time to shop for | | |
| Lawton | | a new policy, as your rates are likely | | Premium: The price of insurance |
| White Plains | | to be lower. | | protection for a specified risk for a |
| Evanston | | | | specified period of time. |
| Beaumont | | We offer quotes for auto insurance, | | |
| Orange | | life insurance, homeowners | | Commercial Lines: This term is used |
| Colorado Springs | | insurance, health insurance, term life | | to refer to insurance for businesses, |
| Hollywood | | insurance and more. | | professionals, and commercial |
| Roanoke | | | | establishments. |
| Dallas | | Make sure you have a new policy in | | |
| Durham | | place before you cancel your old one | | Valuation Clause: A clause stating the |
| Pensacola | | to avoid a lapse in coverage. This will | | value of items for insurance |
| Rapid City | | also prevent having to figure out the | | purposes, making it a valued policy. |
| Sioux Falls | | amount of any unused premium that is | | |
| Pasadena | | due to you from your old insurance | | First Party Insurance: Insurance which |
| Syracuse | | company, or having to spar with your | | applies to coverage for the insured's |
| Portland | | agent about exactly when your policy | | own property or person. Contrast with |
| Bay City | | was cancelled and how much they | | Third Party Insurance. |
| Norwalk | | owe you. | | |
| Wilmington | | | | Loss Adjustment Expense: The cost |
| Frederick | | Shopping around is the best way to | | of adjusting losses, excluding the |
| Lawrenceville | | save money on your insurance. | | amount of the loss itself. |
