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MS-PAF-0093127-10

Insurance Policy
Insurance Policy
17linked records
0mentions
12questions
2011–2026saved

What the account says about MS-PAF-0093127-10

17 records, oldest first
2011
Skein Lake, Ice-Out
Oil on canvas by Walter Kivisto of Arbor Vitae. Bought at Paddle & Easel Gallery two summers after we bought the cabin. Over the cabin fireplace. Appraised by Russell Tegtmeier in 2021 from photographs.
Untitled (Birches)
Ink drawing by Harriet Lindgaard, 1969. From Windrow Gallery. In the den. Appraised 2021.
Marrowstone Specialty Insurance
Lake Mendota, November
Oil on canvas by Harriet Lindgaard (1921-2004), painted 1978, signed lower right. Over the living room fireplace. Bought at Windrow Gallery. Value is Russell Tegtmeier's, October 2021.
Tennis bracelet
2.00 ct total, 44 stones, 7 inches, with a safety clasp. Our 30th, August 2007, $2,900 at Hartwig & Daughters. Appraised at $3,600 in 2016 and $4,300 in 2024. Safe deposit box except for weddings.
Diamond pendant
Round solitaire, 0.40 ct, on an 18-inch chain. Mother's Day 1998, from Ray and the children. Appraised at $1,450 in 2024.
2012
Lofoten Harbor
Acrylic on canvas by Ragnhild Østby. Bought at her studio in Svolvær on the 2012 trip for 6,900 kroner and carried home rolled in a tube. Living room. Appraised 2021.
Ray's Omega
Omega Seamaster automatic, 1968, his father Carl's. Case reference 166.010, movement number 26418337. Serviced in 2021 (new crystal and mainspring, $640). He wears it to church and to weddings.
2014
Mom's pearls
Single strand, 18 inches, 7 mm pearls, about 1955. Restrung in 2015 before Kate's wedding. Inherited in 2014. Safe deposit box.
Mom's engagement ring
Old European cut diamond solitaire, 0.58 ct, in a white gold filigree setting, about 1948. Dad bought it in Viroqua. It came to me when Mom died in 2014. Appraised at $3,100 in 2016 and $3,750 in September 2024. In the bedroom safe, not worn.
2017
Sapphire anniversary ring
Oval Ceylon sapphire, 2.10 ct, in a halo of 18 small diamonds (0.36 ct total). Ray bought it at Hartwig & Daughters on August 12, 2017, for $4,600, for our 40th. Appraised at $6,800 in September 2024. It has to go in every six months for the prong check or the care plan lapses.
2019
Three Pears
Oil on panel by Miriam Kessel Dahl. Windrow Gallery, a present to ourselves three weeks after Ray's stent. Kitchen, over the sideboard. Appraised 2021.
Diamond stud earrings
0.50 ct total weight, screw backs. From Ray for our 25th in 2002; he paid $1,200. Appraised at $1,850 in 2024.
2020
My engagement ring
Round brilliant diamond solitaire, 0.72 ct, six-prong setting. Ray bought it at Brekke Jewelers in La Crosse in May 1977 for $1,150. Engraved inside R.C.O. to M.A.H. 8-20-77. Appraised at $4,200 in 2016 and $4,900 in September 2024. I wear it every day.
Sølje brooch
Norwegian sølje made in Bergen about 1920; my grandmother Ingeborg's sister sent it over to her in 1921, and she wore it with her bunad. Appraised at $1,150 in 2024. I wear it on Syttende Mai.
2025
Marrowstone - valuables policy, $684, pay today
2026
Marrowstone - the valuables policy renews on the 8th

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.

Comments

0

Comments are added in the local viewer; this copy is read-only.

Facts

Policy numberMS-PAF-0093127-10
Deductible0
Insured value43950
Expiration date2026-12-08
Annual premium684
Next payment due2026-12-08
RemarksCurrent. Scheduled personal articles - nine pieces of jewelry and five pictures, no deductible, covered anywhere in the world. December 8, 2025 to December 8, 2026. Through Linda Schroedl.

Questions

12

Questions whose supporting records include MS-PAF-0093127-10 or a record linked to it.

q102 What is Ray's Omega worth? q104 Is the sapphire ring insured for what it is worth? q106 What is on the valuables policy, and for how much in total? q111 What do we pay a year for all of our insurance policies? q120 Would the house policy pay if my jewelry were stolen? q123 Which insurance payment is due next? q172 What is running out in the next couple of months that I should deal with? q097 A tree came down on the cabin in last night's storm and the adjuster wants an inventory. Please list every valuable we keep at the cabin, with make and model, serial number, when we bought it, what we paid, what it is worth now, and whether there is a receipt or a warranty. q099 I want the same inventory for the Madison house. Everything of value, please. q100 How many pieces of jewelry do I have recorded, and how many of them have been appraised? q103 What is my engagement ring appraised at? q105 What are all the pictures worth, added up, and how much of that is at 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.

only_in_file Facts that are in no record field but overlap across files, in different words. The appraised values of the Omega ($4,150) and the pearls ($1,900) are in the 2024 appraisal and on the valuables schedule; the 2016 appraisal has older figures. The successor trustees and the specific gifts are in the trust. What happens to the cabin is in the trust (sold), in the amendment that replaced that paragraph (kept by the three children; the saved amendment is a scan with no text) and in the lawyer's letter that explains the amendment. Ray's 2026 required withdrawal ($28,012.02) is on the IRA statement and in the advisor's letter, and the 2025 tax summary gives it as "about $28,000". The porch change order is in the contract; the receipt says only that the porch came in $800 over.

mismatch The 2026 valuables schedule lists the sapphire ring at $4,600, its 2017 purchase price. Every other item was updated to the September 2024 appraisal, which values the ring at $6,800. The ring is under-insured by $2,200. The appraisal is right about the value; the schedule is right about what is insured.

1977-08-20Peg Haugen and Ray Ostrander marry in La Crosse. Ray bought the engagement ring that May.
2012-06-14Two weeks in Norway (Bergen, Oslo, Lofoten) on Peg's new passport. They bring home an enamel pendant and a painting.
2014-02-09Peg's mother, Dorothy Haugen, dies at 87 in La Crosse. Peg inherits her engagement ring, pearls, locket and a watercolor of the home farm.
2016-12-08After the first jewelry appraisal, they take out a valuables policy with Marrowstone.
2017-08-12Ray buys the sapphire ring for their 40th anniversary.
2024-09-17The jewelry is reappraised. The valuables schedule is updated that December, except for one ring.

One step out

covered_item →My engagement ring — Jewelry Item; covered_itemMy engagement ringcovered_item →Mom's engagement ring — Jewelry Item; covered_itemMom's engagement ringcovered_item →Sapphire anniversary ring — Jewelry Item; covered_itemSapphire anniversary …covered_item →Mom's pearls — Jewelry Item; covered_itemMom's pearlscovered_item →Sølje brooch — Jewelry Item; covered_itemSølje broochcovered_item →Ray's Omega — Jewelry Item; covered_itemRay's Omegacovered_item →Diamond stud earrings — Jewelry Item; covered_itemDiamond stud earringscovered_item →Tennis bracelet — Jewelry Item; covered_itemTennis braceletcovered_item →Diamond pendant — Jewelry Item; covered_itemDiamond pendantcovered_item →Lake Mendota, November — Painting/Drawing; covered_itemLake Mendota, Novembercovered_item →Three Pears — Painting/Drawing; covered_itemThree Pearscovered_item →Skein Lake, Ice-Out — Painting/Drawing; covered_itemSkein Lake, Ice-Outcovered_item →Untitled (Birches) — Painting/Drawing; covered_itemUntitled (Birches)covered_item →Lofoten Harbor — Painting/Drawing; covered_itemLofoten Harborno relationship name →Marrowstone Specialty Insurance — Insurance Carrier; no relationship nameMarrowstone Specialty…reminder_subject →Marrowstone - valuables policy, $684, pay today — Reminder; reminder_subjectMarrowstone - valuabl…reminder_subject →Marrowstone - the valuables policy renews on the 8th — Reminder; reminder_subjectMarrowstone - the val…MS-PAF-0093127-10