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MS-PAF-0093127-10

personas/retired-couple/files/finance/valuables-policy-2026-schedule.pdf
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                                                                                        400 Quarry Row
                                                                                   Providence, RI 02903

Marrowstone Specialty Insurance                                                          (844) 555-0154
                                                                                   marrowstone.example




Scheduled Personal Articles - Schedule of Insured Items
Policy number: MS-PAF-0093127-10

Policy period: December 8, 2025 to December 8, 2026

Named insured: Margaret A. Ostrander and Raymond C. Ostrander, 1846 Hawkstone Drive,
Madison, WI 53711

Agent: Capitol Prairie Insurance Agency, Linda Schroedl

 No.   Class      Description                                                            Amount of
                                                                                         insurance

 1     Jewelry    Lady's diamond solitaire ring, 0.72 ct round brilliant, 14k             $4,900.00
                  yellow gold

 2     Jewelry    Lady's diamond solitaire ring, 0.58 ct old European cut, 14k            $3,750.00
                  white gold filigree

 3     Jewelry    Lady's sapphire and diamond ring, 2.10 ct oval sapphire, 18k            $4,600.00
                  white gold

 4     Jewelry    Cultured pearl strand, 18 in., 7 mm Akoya, 14k clasp                    $1,900.00

 5     Jewelry    Norwegian silver brooch (sølje), about 1920                             $1,150.00

 6     Jewelry    Gent's Omega Seamaster wristwatch, 1968, stainless steel                $4,150.00

 7     Jewelry    Diamond stud earrings, 0.50 ct total, 14k white gold                    $1,850.00

 8     Jewelry    Diamond tennis bracelet, 2.00 ct total, 14k white gold                  $4,300.00

 9     Jewelry    Diamond solitaire pendant, 0.40 ct, 14k white gold                      $1,450.00

 10    Fine art   H. Lindgaard, "Lake Mendota, November", oil on canvas                   $6,500.00

 11    Fine art   M. Kessel Dahl, "Three Pears", oil on panel                             $3,200.00

 12    Fine art   W. Kivisto, "Skein Lake, Ice-Out", oil on canvas (kept at 8815          $2,800.00
                  Skein Lake Road, Minocqua)

 13    Fine art   H. Lindgaard, "Untitled (Birches)", ink on paper                        $1,800.00

 14    Fine art   R. Østby, "Lofoten Harbor", acrylic on canvas                           $1,600.00
                                                                                      Amount

 Jewelry, items 1 to 9                                                             $28,050.00

 Fine art, items 10 to 14                                                          $15,900.00

 Total amount of insurance                                                         $43,950.00


How the amounts were set
Items 1, 2 and 4 to 9 are scheduled at the values in the appraisal by Solheim Gem Appraisal
dated September 17, 2024. Item 3 is scheduled at the value declared when it was added to
the policy on August 21, 2017. Items 10 to 14 are scheduled at the values in the appraisal by
Prairie Line Fine Art Appraisals dated October 19, 2021.

Terms
   Deductible: none.
   Jewelry is covered for loss, theft, damage and unexplained disappearance, anywhere in
   the world. A loss is settled at the cost to replace with like kind and quality, up to the
   amount of insurance for the item.
   Fine art is covered at agreed value.
   A newly acquired article of a class already scheduled is covered for 30 days, up to 25% of
   the total for that class, and must be reported within those 30 days.

Premium
 Item                                                                                 Amount

 Jewelry                                                                              $490.88

 Fine art                                                                             $193.12

 Annual premium                                                                       $684.00

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Record

MS-PAF-0093127-10 Insurance Policy · saved Dec 9, 2025

Values from records

4render 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.

ValueNow
valuables-policy-2026.policy_number MS-PAF-0093127-10
valuables-policy-2026.expiration 2026-12-08
valuables-policy-2026.insured_value 43950
valuables-policy-2026.annual_premium 684

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.

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.

attachments.yaml 
record: valuables-policy-2026
template: document
style: statement
org:
  name: Marrowstone Specialty Insurance
  lines:
  - 400 Quarry Row
  - Providence, RI 02903
  phone: '8445550154'
  web: marrowstone.example
  color: '#5a2d2d'
title: Scheduled Personal Articles - Schedule of Insured Items
body: "**Policy number:** {{valuables-policy-2026.policy_number}}\n\n**Policy period:** December 8, 2025\
  \ to {{valuables-policy-2026.expiration}}\n\n**Named insured:** Margaret A. Ostrander and Raymond C.\
  \ Ostrander, 1846 Hawkstone Drive, Madison, WI 53711\n\n**Agent:** Capitol Prairie Insurance Agency,\
  \ Linda Schroedl\n\n| No. | Class | Description | Amount of insurance |\n|---|---|---|---|\n| 1 | Jewelry\
  \ | Lady's diamond solitaire ring, 0.72 ct round brilliant, 14k yellow gold | $4,900.00 |\n| 2 | Jewelry\
  \ | Lady's diamond solitaire ring, 0.58 ct old European cut, 14k white gold filigree | $3,750.00 |\n\
  | 3 | Jewelry | Lady's sapphire and diamond ring, 2.10 ct oval sapphire, 18k white gold | $4,600.00\
  \ |\n| 4 | Jewelry | Cultured pearl strand, 18 in., 7 mm Akoya, 14k clasp | $1,900.00 |\n| 5 | Jewelry\
  \ | Norwegian silver brooch (sølje), about 1920 | $1,150.00 |\n| 6 | Jewelry | Gent's Omega Seamaster\
  \ wristwatch, 1968, stainless steel | $4,150.00 |\n| 7 | Jewelry | Diamond stud earrings, 0.50 ct total,\
  \ 14k white gold | $1,850.00 |\n| 8 | Jewelry | Diamond tennis bracelet, 2.00 ct total, 14k white gold\
  \ | $4,300.00 |\n| 9 | Jewelry | Diamond solitaire pendant, 0.40 ct, 14k white gold | $1,450.00 |\n\
  | 10 | Fine art | H. Lindgaard, \"Lake Mendota, November\", oil on canvas | $6,500.00 |\n| 11 | Fine\
  \ art | M. Kessel Dahl, \"Three Pears\", oil on panel | $3,200.00 |\n| 12 | Fine art | W. Kivisto, \"\
  Skein Lake, Ice-Out\", oil on canvas (kept at 8815 Skein Lake Road, Minocqua) | $2,800.00 |\n| 13 |\
  \ Fine art | H. Lindgaard, \"Untitled (Birches)\", ink on paper | $1,800.00 |\n| 14 | Fine art | R.\
  \ Østby, \"Lofoten Harbor\", acrylic on canvas | $1,600.00 |\n\n| | Amount |\n|---|---|\n| Jewelry,\
  \ items 1 to 9 | $28,050.00 |\n| Fine art, items 10 to 14 | $15,900.00 |\n| Total amount of insurance\
  \ | {{valuables-policy-2026.insured_value|money}} |\n\n## How the amounts were set\n\nItems 1, 2 and\
  \ 4 to 9 are scheduled at the values in the appraisal by Solheim Gem Appraisal dated\nSeptember 17,\
  \ 2024. Item 3 is scheduled at the value declared when it was added to the policy on\nAugust 21, 2017.\
  \ Items 10 to 14 are scheduled at the values in the appraisal by Prairie Line Fine Art\nAppraisals dated\
  \ October 19, 2021.\n\n## Terms\n\n- Deductible: none.\n- Jewelry is covered for loss, theft, damage\
  \ and unexplained disappearance, anywhere in the world. A loss is\n  settled at the cost to replace\
  \ with like kind and quality, up to the amount of insurance for the item.\n- Fine art is covered at\
  \ agreed value.\n- A newly acquired article of a class already scheduled is covered for 30 days, up\
  \ to 25% of the total for\n  that class, and must be reported within those 30 days.\n\n## Premium\n\n\
  | Item | Amount |\n|---|---|\n| Jewelry | $490.88 |\n| Fine art | $193.12 |\n| Annual premium | {{valuables-policy-2026.annual_premium|money}}\
  \ |\n"