请教柠檬以及各位专家伞险policy问题

来源: sneezy888 于 2024-05-13 21:41:20 [档案] [旧帖] [给我悄悄话] 本文已被阅读：次 (1585 bytes)

我买的伞险和车子以及自住房同一个公司，比较便宜，这两年没有怎么涨。但是让我不放心的是，policy这样说的：

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.

但是下面有一个coverage，用方框列了我的自住房，两个出租房，两辆车。我以前曾经打电话加过别的出租房，但是没有在这个policy declaration上面显示。后来又打过一次电话，以前加的房子他们其实有记录。我还有一辆车也是他们保的，也没有列出来。

我现在又进了一个房，但是怕一打电话加房子就要大涨报费。又怕如果没加，出事不cover那就傻了。头皮抓了好久，也想不出来怎么做好。

那个policy的用词，好像意思是所有拥有，租用，出租给人的车，船，住宅这个policy都cover。我的理解有错吗？我应该让保险公司书面确认所有的房子吗？

谢谢！