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PTM-SD-551208-22

Home Insurance Policy
Home Insurance Policy
2linked records
0mentions
5questions
2011saved

What the account says about PTM-SD-551208-22

2 records, oldest first
2011
The cabin, Skein Lake
Pinery Town Mutual Insurance

Linked records are confirmed graph links; the arrow and name are the link the app receives. A mention is only a text match on the name and is never treated as a link.

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Facts

Policy numberPTM-SD-551208-22
Deductible2500
Insured value385000
Expiration date2027-05-15
Annual premium1418
Next payment due2027-05-15
RemarksSeasonal dwelling policy, May 15, 2026 to May 15, 2027. Bought direct from Pinery's office in Rhinelander, not through Linda.

Questions

5

Questions whose supporting records include PTM-SD-551208-22 or a record linked to it.

q111 What do we pay a year for all of our insurance policies? q112 And just the two houses and the two cars? q114 What is the deductible on the home policy? q118 If the pipes froze while we were away, would the insurance pay? q119 What is the deductible if wind takes the roof off the cabin?
Traps and story · persona.yaml

near_duplicate Each current policy sits next to last year's. Peg has an old and a new passport. Two diamond solitaire rings, hers and her mother's. Old and new doses of the same drug. Two jewelry appraisals eight years apart, whose names no longer say which is current. Two years of the accountant's summary. The 2019 wills and the 2003 ones are both still in the grey box, per two notes. Not every expired policy is labelled as such any more; the dates say it.

two_of_a_kind Two houses, each with its own policy, deed, tax bills and contents. Each policy has its own rule about freezing while the place is empty, with different numbers. Three cars, one of them sold. Two dogs, one of them dead.

too_many Receipts (338), health records (77), bills (52), service receipts (38), warranties (31), vaccinations (28), mileage readings (26), electronics (26), jewelry (20). A question about "all" of any of these cannot be answered from a partial read; a good answer gives the whole list or says the list is partial.

only_in_file The facts kept in one file and nowhere else. The long-term care daily benefit ($272.27) is only on the schedule. The life policy's cash value is only on its statement. The cabin's wind deductible ($7,700) and its theft and tree limits are only on its declarations. The house policy's jewelry sublimit, water backup limit and the rule about leaving the house empty in winter (condition 6.4, on page 5 of 8) are only in the policy. Ray's LDL of 68 is only on the lab sheet. Adjusted gross income for 2025 ($116,640) and for 2024 ($109,870) is only in each year's summary. The truck's title number is only on the title (that there is no lien also follows from the purchase receipt's "no loan"). The value of Peg's IRA is only on its statement. The septic system's design and the county's three-year pumping rule are only on the permit.

2004-08-13They buy the cabin on Skein Lake near Minocqua for $212,000.
2012-09-18New metal roof on the cabin, the first of nine big cabin projects.
2018-05-11The cabin kitchen is remodeled, the largest of the cabin projects.

One step out

no relationship name ←The cabin, Skein Lake — Property; no relationship nameThe cabin, Skein Lakeno relationship name →Pinery Town Mutual Insurance — Insurance Carrier; no relationship namePinery Town Mutual In…PTM-SD-551208-22