Hello how may I help you? Can you help me with my insurance policy? Sure I will be happy to My policy number is 45786797 what am I covered for? Seems you are covered for fire, water, and acts of god. Oh okay when does my policy expire? it expires tomorrow. Do you anticipate my premium will be the same or do you see a rate hike coming? I see a rate hike coming due to your health issues. Oh really that is unfortunate. How much? Depends on the act of god.