Hello how may I help you? hi hello, this is insurance company, how may i help you? i have a problem with my insurance company what is your problem? I can solve that for you. how insured am i? let me pull out your account information, your house is cover be water, fire , and earth quake damage. how about act of goods? act of goods? sorry, i can not understand this word. act of god sorry, act of gods is not cover in your insurance. you need upgrade to premium for full coverage. okay thansk