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| Duluth | | The quickest and easiest way to | | Divided Cover: The placing of |
| Carlsbad | | shop for new insurance is by | | insurance on a given subject or |
| Walnut Creek | | comparing rates at InsWebs online | | object with more than one insurer. |
| Santa Rosa | | marketplace. If you do it the | | |
| Spring Hill | | old-fashioned way (by calling or | | Building Code: This refers to |
| Dearborn | | visiting multiple agents or insurance | | municipal or other governmental |
| Cape Coral | | companies) it could take up a huge | | ordinances regulating the type of |
| Boca Raton | | chunk of your time, which no one | | construction of buildings within its |
| Staten Island | | wants or needs. By completing | | jurisdiction. |
| Newburgh | | InsWebs online application, you will | | |
| Hickory | | have rates to compare to your old | | Society of Insurance Research: An |
| Albany | | ones within minutes! | | organization which encourages |
| Houston | | | | insurance research and promotes the |
| Salt Lake City | | Make sure you have a new policy in | | exchange of ideas and methods of |
| Goldsboro | | place before you cancel your old one | | research. |
| Decatur | | to avoid a lapse in coverage. This will | | |
| Tucson | | also prevent having to figure out the | | Legislative Risk: A risk faced by |
| Austin | | amount of any unused premium that is | | investors whereby changes in tax |
| Bayside | | due to you from your old insurance | | laws can result in adverse effects on |
| Syracuse | | company, or having to spar with your | | the individual's investment results. |
| Quincy | | agent about exactly when your policy | | |
| Lakewood | | was cancelled and how much they | | Accident: An unplanned event, |
| Fayetteville | | owe you. | | unexpected and undesigned, which |
| St. Joseph | | | | occurs suddenly and at a definite |
| Spring Hill | | People who are trying to quit | | place. |
| Frederick | | smoking, for example, might be best | | |
| Franklin | | suited purchasing a shorter term (and | | Endorsement: A written or printed form |
| Oceanside | | then replacing it with a longer term | | attached to the policy which alters |
| Gainesville | | policy when they qualify for | | provisions of the contract. |
| Johnson City | | non-tobacco prices). | | |
| San Jose | | | | Insurance Examiner: The |
| Tuscaloosa | | The best time to switch policies is | | representative of a state insurance |
| Little Rock | | within one month of receiving your | | department assigned to participate in |
| Staten Island | | policy renewal from your current | | the official audit and examination of |
| West Palm Beach | | insurer. You can typically cancel your | | an insurer. |
| Lafayette | | policy without any fees or penalties if | | |
| Providence | | you act within this time period. | | |