Hello how may I help you? How much damage does my insurance cover? May I have your name and member number please? Jack Smith and my policy number 192837465 Okay, Mr. Smith. Looks like you have two policies to your name currently: a gold tier and a silver tier. Which one would you like to know more about? Gold tier please. Your gold-tier plan covers up to $30,000 in water, fire or wind damage. Ok. How much does my silver tier plan cover? Up to 10,000$. Is there anything else I can help you with? That is all for now. Thank you! You're welcome!