"Good afternoon, this is John at Allstate."
"Hi John. I was hoping to get a quote from you."
"Outstanding. How can I help you?"
"I've just recently purchased a five hundred thousand dollar, hollow, balsa wood surfboard, created by the real life travelocity gnome who happens to be from New Zealand. I'd like to have it insured."
"Wow. Well. I, um. Jeesh. I have to tell you, I was totally unprepared for that. You say this surfboard cost you how much?"