請教檸檬以及各位專家傘險policy問題

來源: sneezy888 於 2024-05-13 21:41:20 [檔案] [舊帖] [給我悄悄話] 本文已被閱讀：次 (1585 bytes)

我買的傘險和車子以及自住房同一個公司，比較便宜，這兩年沒有怎麽漲。但是讓我不放心的是，policy這樣說的：

This policy is issued in reliance on representation of the Named Insured(s) listed above that valid and collectible underlying insurance as shown in this section is now in force, and will at all times be in force, in at least the amounts shown, for each auto, watercraft, and recreational motor vehicle (including motorcycles) owned, leased by or furnished or available for regular use by you or any resident of your household, and for all residential premises owned, leased by or leased to any insured. An explanation of important terms appears on the reverse side of these Declarations. Defined words appear in the Definitions section of the policy.

但是下麵有一個coverage，用方框列了我的自住房，兩個出租房，兩輛車。我以前曾經打電話加過別的出租房，但是沒有在這個policy declaration上麵顯示。後來又打過一次電話，以前加的房子他們其實有記錄。我還有一輛車也是他們保的，也沒有列出來。

我現在又進了一個房，但是怕一打電話加房子就要大漲報費。又怕如果沒加，出事不cover那就傻了。頭皮抓了好久，也想不出來怎麽做好。

那個policy的用詞，好像意思是所有擁有，租用，出租給人的車，船，住宅這個policy都cover。我的理解有錯嗎？我應該讓保險公司書麵確認所有的房子嗎？

謝謝！