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| Lafayette | | While some companies raise their | | Exclusion: A contractual provision that |
| Davenport | | prices based on your actual age, | | denies coverage for certain perils, |
| Rapid City | | most companies increase the price of | | persons, property, or locations. |
| Akron | | their policies six months before your | | |
| Boston | | birthday. Its a term called Age | | Malicious Mischief: Similar to |
| Dallas | | Nearest in the industry, and that | | vandalism. Purposely damaging the |
| Fairfax | | half-year price increase could really | | rights or property of another. |
| Pueblo | | add up over a 20-year term policy. As | | |
| Greeley | | above, the quicker you purchase your | | Exclusions: Specific situations, |
| Riverside | | policy the better. | | conditions, or circumstances that are |
| Wilmington | | | | listed in the contract as being not |
| Asheville | | The quickest and easiest way to | | covered. |
| Tuscaloosa | | shop for new insurance is by | | |
| Alameda | | comparing rates at InsWebs online | | New For Old: Replacing old |
| Corpus Christi | | marketplace. If you do it the | | damaged parts or equipment with |
| San Francisco | | old-fashioned way (by calling or | | new ones rather than repairing them. |
| Scottsdale | | visiting multiple agents or insurance | | |
| Sioux Falls | | companies) it could take up a huge | | Endorsement: A written or printed form |
| Orlando | | chunk of your time, which no one | | attached to the policy which alters |
| Whittier | | wants or needs. By completing | | provisions of the contract. |
| New Port Richey | | InsWebs online application, you will | | |
| Belleville | | have rates to compare to your old | | Operating Expense: The expense of |
| Santa Monica | | ones within minutes! | | an insurer other than commissions |
| Stuart | | | | and taxes. Called " and Insurance |
| Stamford | | Make sure you have a new policy in | | Expense" in the convention statement |
| Pembroke Pines | | place before you cancel your old one | | blank. |
| Corona | | to avoid a lapse in coverage. This will | | |
| Vero Beach | | also prevent having to figure out the | | Valued: Relating to an agreement by |
| Johnstown | | amount of any unused premium that is | | an insurer to pay a specified amount |
| Alpharetta | | due to you from your old insurance | | of money to or on behalf of the |
| Evansville | | company, or having to spar with your | | insured upon occurrence of a defined |
| Fort Collins | | agent about exactly when your policy | | loss. |
| El Cajon | | was cancelled and how much they | | |
| Frederick | | owe you. | | Capital Sum: The maximum lump sum |
| Scranton | | | | payable in the event of accidental |
| Corona | | | | death or dismemberment. |
