Li a apólice, o prêmio e a cobertura.

Li is the I form of the simple past of ler = to read.

So:

• li = I read / I did read
• leio = I read / I am reading in the present

Examples:

• Eu leio a apólice. = I read / I am reading the policy.
• Eu li a apólice. = I read the policy.

So in your sentence, Li a apólice, o prêmio e a cobertura, the speaker is talking about a completed action in the past.

Because Portuguese often leaves out subject pronouns when the verb already makes the subject clear.

Li already tells you the subject is I, so eu is not necessary.

Both are correct:

• Li a apólice, o prêmio e a cobertura.
• Eu li a apólice, o prêmio e a cobertura.

Adding eu can give a little extra emphasis, but leaving it out is very natural.

Portuguese uses articles more often than English does, especially with specific nouns.

Here, the sentence refers to specific things:

• a apólice = the policy
• o prêmio = the premium
• a cobertura = the coverage

The articles also show grammatical gender:

• apólice is feminine, so it takes a
• prêmio is masculine, so it takes o
• cobertura is feminine, so it takes a

Repeating the article with each item in a list is completely normal in Portuguese.

Because a is the feminine singular article, and apólice happens to begin with the letter a.

Portuguese does not combine them into a different written form here, so it stays:

a apólice

In speech, the two vowel sounds may flow together a bit, but in writing they remain separate.

Yes, prêmio often means prize or award.

But in insurance language, prêmio also means premium — the amount paid for the insurance.

So this is a useful vocabulary point:

• everyday meaning: prize / award
• insurance meaning: premium

The context tells you which meaning is intended.

Because this is a standard list of three items:

a apólice, o prêmio e a cobertura

In Portuguese, you normally put commas between earlier items in a list, but usually not before e.

So this punctuation is normal:

• X, Y e Z

Yes. All three nouns are direct objects of the verb ler.

The structure is basically:

Li + a apólice, o prêmio e a cobertura

That means the speaker read all three things:

• the policy
• the premium
• the coverage

A rough pronunciation for an English speaker is:

ah-POH-lee-see

The stress is on pó.

So:

• a apólice ≈ ah ah-POH-lee-see

This is only an approximation, but it helps you place the stress correctly.

A rough pronunciation is:

PREH-myoo

The stress is on prê.

Depending on accent and speaking speed, the ending may sound a little smoother than this English-style approximation, but PREH-myoo is a helpful starting point.

A rough pronunciation is:

koh-behr-TOO-rah

The stress is on tu.

So the rhythm is: co-ber-TU-ra

They mainly show where the stress goes:

• apólice → stress on pó
• prêmio → stress on prê

For learners, the most important thing is to stress the right syllable. The accents also help indicate the correct vowel sound.

Yes, definitely.

Eu li a apólice, o prêmio e a cobertura is fully correct.

The version without eu is also correct and very natural in Portuguese. The difference is mostly about style and emphasis, not grammar.

No. Cobertura can have several meanings in Portuguese, such as coverage, covering, topping, and even penthouse in some contexts.

But in this sentence, because it appears with apólice and prêmio, the insurance meaning is clearly intended: coverage.