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| Fayetteville | | The best time to switch policies is | | Incurred Expense: Expenses not yet |
| Fort Collins | | within one month of receiving your | | paid. Can also include paid |
| Tucson | | policy renewal from your current | | expenses in some accounting |
| Franklin | | insurer. You can typically cancel your | | systems. |
| Flint | | policy without any fees or penalties if | | |
| Fort Myers | | you act within this time period. | | Adjustment Bureau: A firm organized |
| Fall River | | | | to provide adjustment services to |
| Dallas | | Individuals who have 30-year | | insurers not wishing to create their |
| Tucson | | mortgages might want to consider a | | own claims division. |
| Stamford | | 30-year term to ensure that the house | | |
| Fredericksburg | | is protected throughout the period of | | Tariff Rate: A rate established by a |
| Jackson | | the loan. | | rating organization, which comes from |
| Kingsport | | | | the tables, schedules and rules found |
| Slidell | | Make sure you have a new policy in | | in the tariff of rates. |
| Wichita | | place before you cancel your old one | | |
| Clarksville | | to avoid a lapse in coverage. This will | | Buy-Back" Deductible: A deductible |
| Boynton Beach | | also prevent having to figure out the | | which may be eliminated for an |
| Peoria | | amount of any unused premium that is | | additional premium in order to |
| Lancaster | | due to you from your old insurance | | provide "first-dollar" coverage. |
| Lexington | | company, or having to spar with your | | |
| Springfield | | agent about exactly when your policy | | Lapsed Policy: One which has been |
| Worcester | | was cancelled and how much they | | allowed to expire because of |
| Scranton | | owe you. | | nonpayment of premiums. |
