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| Fairfax | | If you decide to cancel your policy | | Malicious Mischief: Similar to |
| Madison | | (after acquiring new coverage) | | vandalism. Purposely damaging the |
| Racine | | outside of the 30-day period, you may | | rights or property of another. |
| Alpharetta | | have to pay a fee or penalty. | | |
| Henderson | | However, you may still save money | | Insurance to Value: Insurance written |
| Overland Park | | after paying the fee if your new policy | | in an amount approximating the value |
| Oklahoma City | | affords you significant savings. So | | of the property insured. |
| Owensboro | | while it is best to wait until your | | |
| Fayetteville | | receive your renewal notice, you CAN | | Capital Sum: The maximum lump sum |
| New Port Richey | | cancel your policy at any time. | | payable in the event of accidental |
| Duluth | | | | death or dismemberment. |
| Quincy | | Individuals who have 30-year | | |
| New York | | mortgages might want to consider a | | Examiner: An employee assigned by |
| Hattiesburg | | 30-year term to ensure that the house | | the state insurance department to |
| Grand Prairie | | is protected throughout the period of | | audit insurers' records. |
| Delray Beach | | the loan. | | |
| Greensboro | | | | Single Limit: Any insurance coverage |
| Springfield | | The quickest and easiest way to | | which is expressed as a single |
| Hendersonville | | shop for new insurance is by | | amount of insurance, or a single limit |
| Colorado Springs | | comparing rates at InsWebs online | | of liability. Contrast with Split Limit. |
| Tallahassee | | marketplace. If you do it the | | |
| Peoria | | old-fashioned way (by calling or | | Nonassignable: A policy that the |
| Tucson | | visiting multiple agents or insurance | | owner cannot assign to a third party. |
| Clearwater | | companies) it could take up a huge | | Most policies are nonassignable |
| Anderson | | chunk of your time, which no one | | unless approval is given by the |
| Lafayette | | wants or needs. By completing | | insurer. |
| Canton | | InsWebs online application, you will | | |
| Bethlehem | | have rates to compare to your old | | Calendar Year Experience: This |
| Shreveport | | ones within minutes! | | measures the premiums and losses |
| Santa Ana | | | | entered on accounting records during |
| Bay City | | At InsWeb, you can compare free | | the 12-month calendar. |
| Daytona Beach | | online insurance quotes from many of | | |
| West Chester | | the nations leading insurance | | New For Old: Replacing old |
| Stockbridge | | companies. | | damaged parts or equipment with |
| Sterling Heights | | | | new ones rather than repairing them. |
