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When does the insurance expire?

q023 questions.yaml · questions.yaml:244 finance

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When does the insurance expire?
A good answer

Asks which policy. There are several: his house, his mother's house, the truck, the Buick, her long-term-care policy, two life policies, and an old truck policy that ended in 2023.

The one for Mom's house.
A good answer

The Dunmore & Pike policy on the Larkmoor Lane house, which runs out in about five weeks from the build day (the record's date is relative). $1,296 for the year, paid from her checking. Not his own house's policy, which runs to August 18, 2027.

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Supporting records

The records the answer rests on, from from, with whose they are.

created2022-12-03 16:45
propertyhouse-mom
carrierdunmore-pike
policy_numberDP-H-0381-774526
deductible1000
insured_value262000
annual_premium1296
expirationtoday+5w
next_payment_duetoday+5w
remarksNo mortgage, no escrow. Paid once a year from her checking. Wanda.
created2022-11-26 10:20
propertyhouse-walt
carriergreybridge
policy_numberGH-2046718-09
deductible1500
insured_value318000
annual_premium1684
expiration2027-08-18
next_payment_due2027-08-18
remarksEscrowed, Marlowe Ridge pays it.
created2023-02-18 09:40
carf150
carriergreybridge
policy_numberGA-5530284-17
deductible500
annual_premium1438
expiration2027-02-18
next_payment_due2027-02-18
remarksSix-month terms, $719 each.
created2022-12-03 16:48
carbuick
carrierdunmore-pike
policy_numberDP-A-0381-520917
deductible500
annual_premium742
expirationtoday+9w
next_payment_duetoday+9w
remarksStill reads Walter E. Pruitt and Lorraine M. Pruitt. Wanda says fix it when the title gets fixed.
Whose: Mom (covered_item)
created2022-12-03 16:52
coverslorraine
carrierlanternfield
policy_numberLTC-04-2291847
annual_premium2870
next_payment_duetoday+24d
remarksLong-term care, bought 2004. Claim filed 7/8/2026. Keep paying the premium till they say stop.
Traps it covers

expiring_soon Everything of Lorraine's that needs renewing in the next two or three months, all on dates relative to the build day: license (7 weeks), Buick registration (19 days), house policy (5 weeks), Buick policy (9 weeks), debit card (6 weeks), long-term-care premium (24 days), hearing aid warranty (6 weeks). Prescriptions have no date field, so the ones that need action are reminders: Eliquis and levothyroxine have no refills left, the Prolia shot is due, the disabled placard runs out. Walt's and Camille's documents are not close, except Camille's license on 2027-03-08, which is a plain date.

only_in_file The extra-furosemide rule, one sentence on page 5 of the ten-page January 2025 discharge packet (one extra 20 mg tablet for a gain of 3 lb in a day or 5 lb in a week, call cardiology the same day, not more than two days running); the POA clause that lets Walt sell her house only after a physician's written statement and 30 days' notice to Russ; the principal balance on the September 2026 mortgage statement ($171,717.32); the memory test score (19 of 30); next year's drug plan premium ($46.20); the long-term-care daily benefit ($150); the 401(k) balance ($318,406.12 on June 30, 2026); every number on the September labs, which exist only as a portal screenshot (eGFR 33, A1c 7.9); the wind and hail deductible on Walt's house ($3,180); the owner and the title number on the Buick's title, which is a scan with no text (WALTER E PRUITT, 14 177 406219, no lien); the FMLA entitlement (480 hours for 2026); the lease clause that makes renter's insurance a condition, with $15 a month charged until proof is given; what Gentle Ridge has billed this year ($17,284.00 through September); mortgage interest paid in 2025 ($6,912.51); Camille's immunization dates.

two_of_a_kind Two houses with their own policies, Wi-Fi, codes, furnace filters, trash days and bills, so "the house" is ambiguous (and Camille's apartment is a third property). Three cars.

not_the_users_car The Buick is Lorraine's to drive and is still titled and insured in the name of the late Walter E. Pruitt, which reads like Walt's own name. The Corolla is titled to Walt but is Camille's. "My car" is the F-150.

note_contradicts_record The insurance numbers note gives her house policy as DP-H-0381-775426; the policy record has DP-H-0381-774526. Two digits are swapped in one of them and nothing in the account settles which: the declarations page was never scanned. (The record is the right one.) A good answer gives both and says to check the paper or the agent.