甲以自己的房屋为保险标的分别向A、B两个保险公司投保,须具备哪些条件才构成重复保险?( )
A.基于同一保险利益投保
B.保险事故相同
C.分别订立两个合同
D.保险期间重叠
E.保险金额总和超过保险价值
正确答案是ABCDE
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