可以自己选房屋保险（home insurance)的保额吗？

Chioz · 发表于 2014-5-31 10:07:04

本帖最后由 Chioz 于 2014-2-13 17:56 编辑
签完合同我就上了home insurance，由于是老房，地价就占房价的80%以上，我就选了最小的保额$150K，而且没选Accidental Damage这一项。
今天收到贷款final approval的agreement，其中一条是“We require a Certificate of Currency of Insurance issued by the Insurer with 贷款公司 noted as first mortgagee showing that the improvements (the building) are insured against damage and destruction for not less than $200,000.00.”
这句话怎么理解？是不是保额不能低于$200K，并且我贷款公司的名字要出现在Insurance Certificate上？
先谢了！