Hello how may I help you? Can you pull up my account information i have pulled up your account I need to know what my current insurance policy covers it covers damage caused by fire, water and acts of god What about my deductible you have a $1000 deeuctible That's way too high can you lower my deductible i can lower it to $500 and it will cost you an additional $100 in premium Okay that's fine can you set that now yes i have changed it