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DM-HO-2087341-06

personas/retired-couple/files/finance/home-policy-2025-declarations.pdf
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                                                                                          PO Box 2210
                                                                                    Viroqua, WI 54665

Driftless Mutual Insurance Company                                                      (855) 555-0112
                                                                             driftlessmutual.example




Homeowners Policy Declarations
Policy number: DM-HO-2087341-06

Policy period: March 1, 2025 to March 1, 2026, 12:01 a.m. standard time at the insured
location

Named insured: Raymond C. Ostrander and Margaret A. Ostrander, Trustees of the
Ostrander Family Revocable Trust dated May 14, 2019

Insured location: 1846 Hawkstone Drive, Madison, WI 53711

Agent: Capitol Prairie Insurance Agency, Linda Schroedl, (608) 555-0136

Coverages
 Coverage                                                                                    Limit

 A. Dwelling                                                                       $421,000.00

 B. Other structures                                                                 $42,100.00

 C. Personal property, replacement cost                                            $294,700.00

 D. Loss of use                                                                      $84,200.00

 E. Personal liability, each occurrence                                            $500,000.00

 F. Medical payments to others, each person                                            $5,000.00

Deductible: $1,000.00 for all perils except wind and hail, which carry a deductible of 1% of
Coverage A ($4,210.00).

Special limits inside Coverage C
 Property                                                                                    Limit

 Jewelry, watches and furs, loss by theft                                       $2,500.00 in all

 Silverware and goldware, loss by theft                                                $2,500.00

 Firearms, loss by theft                                                               $2,500.00

 Money and bank notes                                                                    $200.00

 Watercraft, with trailers and motors                                                  $1,500.00
Endorsements
  Water backup and sump overflow: limit $10,000.00, deductible $1,000.00
  Roof surfaces: replacement cost (roof replaced August 2021)
  This policy does not cover flood or earthquake.

Premium
Item                                                                            Amount

Annual premium                                                                $1,731.00

Claim-free, protective device and multi-policy discounts                        included

Paid in full                                                           February 24, 2025

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Record

DM-HO-2087341-06 Home Insurance Policy · saved Mar 2, 2025

Values from records

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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.

ValueNow
home-policy-2025.policy_number DM-HO-2087341-06
home-policy-2025.expiration 2026-03-01
home-policy-2025.insured_value 421000
home-policy-2025.deductible 1000
home-policy-2025.annual_premium 1731

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

Planted

expired Fifteen years of things that ran out and were kept. The hearing aid warranty ended in March 2026 and the RAV4's basic warranty in May 2025.

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.

attachments.yaml 
record: home-policy-2025
template: document
style: statement
org:
  name: Driftless Mutual Insurance Company
  lines:
  - PO Box 2210
  - Viroqua, WI 54665
  phone: '8555550112'
  web: driftlessmutual.example
  color: '#1e4d6b'
title: Homeowners Policy Declarations
body: '**Policy number:** {{home-policy-2025.policy_number}}


  **Policy period:** March 1, 2025 to {{home-policy-2025.expiration}}, 12:01 a.m. standard time at the
  insured location


  **Named insured:** Raymond C. Ostrander and Margaret A. Ostrander, Trustees of the Ostrander Family
  Revocable Trust dated May 14, 2019


  **Insured location:** 1846 Hawkstone Drive, Madison, WI 53711


  **Agent:** Capitol Prairie Insurance Agency, Linda Schroedl, (608) 555-0136


  ## Coverages


  | Coverage | Limit |

  |---|---|

  | A. Dwelling | {{home-policy-2025.insured_value|money}} |

  | B. Other structures | $42,100.00 |

  | C. Personal property, replacement cost | $294,700.00 |

  | D. Loss of use | $84,200.00 |

  | E. Personal liability, each occurrence | $500,000.00 |

  | F. Medical payments to others, each person | $5,000.00 |


  **Deductible:** {{home-policy-2025.deductible|money}} for all perils except wind and hail, which carry
  a deductible of 1% of Coverage A ($4,210.00).


  ## Special limits inside Coverage C


  | Property | Limit |

  |---|---|

  | Jewelry, watches and furs, loss by theft | $2,500.00 in all |

  | Silverware and goldware, loss by theft | $2,500.00 |

  | Firearms, loss by theft | $2,500.00 |

  | Money and bank notes | $200.00 |

  | Watercraft, with trailers and motors | $1,500.00 |


  ## Endorsements


  - Water backup and sump overflow: limit $10,000.00, deductible $1,000.00

  - Roof surfaces: replacement cost (roof replaced August 2021)

  - This policy does not cover flood or earthquake.


  ## Premium


  | Item | Amount |

  |---|---|

  | Annual premium | {{home-policy-2025.annual_premium|money}} |

  | Claim-free, protective device and multi-policy discounts | included |

  | Paid in full | February 24, 2025 |

  '