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| Irvine | | Individuals who have 30-year | | Multi-Peril Policies: Policies which |
| Melbourne | | mortgages might want to consider a | | cover a number of perils, such as fire, |
| Mobile | | 30-year term to ensure that the house | | burglary, and liability, in a single |
| Davenport | | is protected throughout the period of | | contract. |
| Fredericksburg | | the loan. | | |
| Alexandria | | | | Overlapping Insurance: Coverage |
| Sioux Falls | | Everyone has different needs, and | | from two or more policies or insurers |
| Redlands | | not one size fits all when it comes to | | which duplicates coverage of certain |
| Mansfield | | term life insurance. While it may make | | risks. |
| Fort Myers | | sense for people in their 30s and 40s | | |
| Rapid City | | to secure a 20-year term length, a | | Will Ride: Coverage that remains in |
| Sumter | | 10-year term might be more | | effect regardless of the geographical |
| Reading | | appropriate for someone nearing | | location in which a loss occurs. |
| Gainesville | | retirement. | | |
| Fremont | | | | Notice of Cancellation: Written notice |
| Schaumburg | | At InsWeb, you can compare free | | by an insurer of intent to cancel |
| Las Cruces | | online insurance quotes from many of | | insurance, or written notice by an |
| Clinton Township | | the nations leading insurance | | insured requesting cancellation. |
| Frederick | | companies. | | |
| High Point | | | | Brokerage Department: A department |
| Honolulu | | The best time to switch policies is | | of an insurer whose purpose is to |
| Denver | | within one month of receiving your | | deal with brokers in the placing of |
| Pembroke Pines | | policy renewal from your current | | insurance. |
| Erie | | insurer. You can typically cancel your | | |
| Palm Desert | | policy without any fees or penalties if | | Net Retention: The amount of |
| Edison | | you act within this time period. | | insurance that a ceding company |
| Jonesboro | | | | keeps for its own account and does |
| Rochester | | People who are trying to quit | | not reinsure. |
| Columbia | | smoking, for example, might be best | | |
| Austin | | suited purchasing a shorter term (and | | Premises: The particular location of |
| Quincy | | then replacing it with a longer term | | property or a portion thereof as |
| Long Island City | | policy when they qualify for | | designated in a policy. |
| Sioux City | | non-tobacco prices). | | |
| Garland | | | | Burning Ratio: The ratio of losses |
| Wichita | | | | suffered to the amount of insurance in |
| Pompano Beach | | | | effect. |