. "coming up, are small businesses and in particular businesses and in particular those small businesses that [ whispering ] uh! i had a nightmare! the house caught fire and we were out on the streets. [ whispering ] shhh. it is only a dream. and we have home insurance. but if we made a claim, our rate would go up... [ whispering ] shhh. you did it right. you have allstate claim rate guard so your rat" . . .