1. Many homeowners tend to overinsure their properties, thinking that it will provide them with better protection in case of any damages.
许多房主往往对他们的房产进行过度保险，以为这样会在发生任何损害时给予更好的保障。

2. It is important not to overinsure your vehicle, as it can lead to paying higher premiums unnecessarily.
过度保险你的车辆是不明智的，因为这可能导致不必要地支付更高的保费。