The Act of God designation on all insurance policies... means roughly that you cannot be insured for the accidents that are most likely to happen to you. If your ox kicks a hole in your neighbor’s Maserati, however, indemnity is instantaneous.

Coren satirizes the way insurance contracts invoke “Act of God” clauses to exclude precisely the mishaps ordinary people are most exposed to—storms, floods, and other uncontrollable events. The joke pivots on disproportion: the policy won’t help when nature predictably ruins your own property, yet it springs into action when an absurdly unlikely, almost pastoral scenario (an ox) damages an emblem of luxury (a Maserati). The contrast skewers both legalistic fine print and a social order in which systems feel more responsive to protecting high-status assets and third-party liabilities than to cushioning everyday vulnerability.