Good morning . I ’ d like to ask some questions about your insurance policies .   Of course . Please sit down . How can I help you ?   I bought a house recently and would like to insure it and its content .   I see . Here ’ s a pamphlet about our home insurance policy . We ’ Ve named our policy ” umbrella ” . May I ask how much you paid for your home and where you live ? These are the two main thing that decide how much your premiums are . 