Hello how may I help you? I have a question about my insurance policy. Sure, I can help you with questions about your insurance polocy what would you like to know? What does my current policy cover? Okay, let me look up some information on what your current policy covers..... Your current policy covers damage caused by water, fire, and acts of god Is water the same as flooding or is flooding not covered? Flooding is covered How much is my current premium? $100,000 That looks like what I'm covered for, not my current monthly premium. That is your monthly premium