PTM-SD-551208-22

personas/retired-couple/files/finance/cabin-policy-2026-declarations.pdf

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118 Courthouse Lane
Rhinelander, WI 54501

Pinery Town Mutual Insurance (715) 555-0113
pinerymutual.example

Seasonal Dwelling Policy Declarations
Policy number: PTM-SD-551208-22

Policy period: May 15, 2026 to May 15, 2027

Named insured: Raymond C. Ostrander and Margaret A. Ostrander, Trustees of the
Ostrander Family Revocable Trust

Mailing address: 1846 Hawkstone Drive, Madison, WI 53711

Insured location: 8815 Skein Lake Road, Minocqua, WI 54548 (Town of Minocqua, Oneida
County). Seasonal, owner occupied, not rented.

Coverages
Coverage Limit

A. Dwelling $385,000.00

B. Other structures (boathouse, pump house, bunkhouse) $38,500.00

C. Personal property, actual cash value $96,250.00

D. Loss of use not covered

E. Personal liability, each occurrence $300,000.00

F. Medical payments to others, each person $2,000.00

Deductible: $2,500.00 for all perils except wind and hail, which carry a deductible of 2% of
Coverage A ($7,700.00).

Conditions that apply to this seasonal dwelling
1. Freezing while unoccupied. From October 15 to April 30, loss caused by the freezing of
plumbing, heating or appliances, or by water that escapes from them, is covered only if (a)
the water supply was shut off and the system was drained, or (b) heat was kept on and a
responsible person inspected the inside of the dwelling at least once every 7 days. Keep a
written log of inspections.
2. Theft. Loss by theft is covered only where there are visible marks of forced entry. Theft of
personal property while the dwelling is unoccupied is limited to $10,000.00 for any one
loss.
3. Jewelry and fine art. Jewelry, watches and furs are limited to $1,000.00. Paintings and
other fine art are covered as personal property at actual cash value, with no agreed value.
4. Trees. Removal of a fallen tree is covered up to $1,000.00 for any one tree and $3,000.00
for any one loss, and only when the tree has damaged a covered structure.
5. Docks and boats. Docks, piers and boat lifts are covered up to $5,000.00, not including
damage by ice or by the rise or fall of water. Boats, motors and trailers are not covered by
this policy.
6. Generator. The permanently installed standby generator is part of Coverage A.

Premium
Item Amount

Annual premium $1,418.00

Paid by check May 4, 2026

Comments

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Record

PTM-SD-551208-22 Home Insurance Policy · saved May 17, 2026

Values from records

5render unknown

The record values this file is made from: the ones its text names with {{record.field}}, and the fields its template reads. A value here is in the file's source; whether it is readable depends on the look.

Value	Now
cabin-policy-2026.policy_number	PTM-SD-551208-22
cabin-policy-2026.expiration	2027-05-15
cabin-policy-2026.insured_value	385000
cabin-policy-2026.deductible	2500
cabin-policy-2026.annual_premium	1418

The values at render time were not recorded: the file was rendered before files/rendered.json existed. Rendering it again records them.

Planted

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.

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.

attachments.yaml

record: cabin-policy-2026
template: document
style: statement
org:
  name: Pinery Town Mutual Insurance
  lines:
  - 118 Courthouse Lane
  - Rhinelander, WI 54501
  phone: '7155550113'
  web: pinerymutual.example
  color: '#4a5d23'
title: Seasonal Dwelling Policy Declarations
body: "**Policy number:** {{cabin-policy-2026.policy_number}}\n\n**Policy period:** May 15, 2026 to {{cabin-policy-2026.expiration}}\n\
  \n**Named insured:** Raymond C. Ostrander and Margaret A. Ostrander, Trustees of the Ostrander Family\
  \ Revocable Trust\n\n**Mailing address:** 1846 Hawkstone Drive, Madison, WI 53711\n\n**Insured location:**\
  \ 8815 Skein Lake Road, Minocqua, WI 54548 (Town of Minocqua, Oneida County). Seasonal, owner occupied,\
  \ not rented.\n\n## Coverages\n\n| Coverage | Limit |\n|---|---|\n| A. Dwelling | {{cabin-policy-2026.insured_value|money}}\
  \ |\n| B. Other structures (boathouse, pump house, bunkhouse) | $38,500.00 |\n| C. Personal property,\
  \ actual cash value | $96,250.00 |\n| D. Loss of use | not covered |\n| E. Personal liability, each\
  \ occurrence | $300,000.00 |\n| F. Medical payments to others, each person | $2,000.00 |\n\n**Deductible:**\
  \ {{cabin-policy-2026.deductible|money}} for all perils except wind and hail, which carry a deductible\
  \ of 2% of Coverage A ($7,700.00).\n\n## Conditions that apply to this seasonal dwelling\n\n1. **Freezing\
  \ while unoccupied.** From October 15 to April 30, loss caused by the freezing of plumbing, heating\n\
  \   or appliances, or by water that escapes from them, is covered only if (a) the water supply was shut\
  \ off and\n   the system was drained, or (b) heat was kept on and a responsible person inspected the\
  \ inside of the dwelling\n   at least once every 7 days. Keep a written log of inspections.\n2. **Theft.**\
  \ Loss by theft is covered only where there are visible marks of forced entry. Theft of personal\n \
  \  property while the dwelling is unoccupied is limited to $10,000.00 for any one loss.\n3. **Jewelry\
  \ and fine art.** Jewelry, watches and furs are limited to $1,000.00. Paintings and other fine art are\n\
  \   covered as personal property at actual cash value, with no agreed value.\n4. **Trees.** Removal\
  \ of a fallen tree is covered up to $1,000.00 for any one tree and $3,000.00 for any one loss,\n   and\
  \ only when the tree has damaged a covered structure.\n5. **Docks and boats.** Docks, piers and boat\
  \ lifts are covered up to $5,000.00, not including damage by ice or\n   by the rise or fall of water.\
  \ Boats, motors and trailers are not covered by this policy.\n6. **Generator.** The permanently installed\
  \ standby generator is part of Coverage A.\n\n## Premium\n\n| Item | Amount |\n|---|---|\n| Annual premium\
  \ | {{cabin-policy-2026.annual_premium|money}} |\n| Paid by check | May 4, 2026 |\n"