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| Johnson City | | If you decide to cancel your policy | | Insurance Policy: The printed form |
| Harlingen | | (after acquiring new coverage) | | which serves as the contract between |
| Owensboro | | outside of the 30-day period, you may | | an insurer and an insured. |
| Fort Collins | | have to pay a fee or penalty. | | |
| San Diego | | However, you may still save money | | Claim Expense: The expense of |
| Reno | | after paying the fee if your new policy | | adjusting a claim, such as |
| Hickory | | affords you significant savings. So | | investigation and attorneys' fees. It |
| Joliet | | while it is best to wait until your | | does not include the cost of the claim |
| Rockford | | receive your renewal notice, you CAN | | itself. |
| Panama City | | cancel your policy at any time. | | |
| Dearborn | | | | Approved Roof: A term used in |
| Hot Springs | | Individuals who have 30-year | | building construction. It indicates a |
| Cleveland | | mortgages might want to consider a | | roof made of fire-resistive materials, |
| Columbus | | 30-year term to ensure that the house | | such as tile or asphalt shingles. |
| Ogden | | is protected throughout the period of | | |
| Daytona Beach | | the loan. | | Basic Rate: The manual rate from |
| Jacksonville | | | | which discounts are taken or to which |
| Delray Beach | | While some companies raise their | | charges are added to reflect the |
| Los Angeles | | prices based on your actual age, | | individual circumstances of a risk. |
| Williamsburg | | most companies increase the price of | | |
| Grand Junction | | their policies six months before your | | New For Old: Replacing old |
| Conroe | | birthday. Its a term called Age | | damaged parts or equipment with |
| Rochester | | Nearest in the industry, and that | | new ones rather than repairing them. |
| Boynton Beach | | half-year price increase could really | | |
| Bayside | | add up over a 20-year term policy. As | | Society of Insurance Research: An |
| Anaheim | | above, the quicker you purchase your | | organization which encourages |
| Muncie | | policy the better. | | insurance research and promotes the |
| Houston | | | | exchange of ideas and methods of |
| Wilmington | | Make sure you have a new policy in | | research. |
| Arlington | | place before you cancel your old one | | |
| Jacksonville | | to avoid a lapse in coverage. This will | | Agency: An insurance sales office |
| Edmond | | also prevent having to figure out the | | which is directed by a agent, |
| Glendale | | amount of any unused premium that is | | manager, independent agent, or |
| Honolulu | | due to you from your old insurance | | company manager. |
| Gaithersburg | | company, or having to spar with your | | |
| Whittier | | agent about exactly when your policy | | |
| Columbus | | was cancelled and how much they | | |
| Whittier | | owe you. | | |
