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What is on the valuables policy, and for how much in total?

q106 questions.yaml · questions.yaml:170 finance

Question

What is on the valuables policy, and for how much in total?
A good answer

Fourteen items, nine pieces of jewelry and five pictures, for $43,950 in all, with Marrowstone Specialty (policy MS-PAF-0093127-10, to December 8, 2026). The term that ended in December 2025 is not the one to quote.

43,950

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Supporting records

The records the answer rests on, from from, with whose they are.

carriermarrowstone
covers
- ring-engagement-peg
- ring-mothers-engagement
- ring-sapphire-anniversary
- necklace-pearl-strand
- brooch-solje
- watch-omega-ray
- earrings-diamond-studs
- bracelet-tennis
- pendant-diamond
- art-lake-mendota
- art-three-pears
- art-skein-lake-ice-out
- art-birches
- art-lofoten-harbor
policy_numberMS-PAF-0093127-10
deductible0
insured_value43950
annual_premium684
expiration2026-12-08
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.
carriermarrowstone
covers
- ring-engagement-peg
- ring-mothers-engagement
- ring-sapphire-anniversary
- necklace-pearl-strand
- brooch-solje
- watch-omega-ray
- earrings-diamond-studs
- bracelet-tennis
- pendant-diamond
- art-lake-mendota
- art-three-pears
- art-skein-lake-ice-out
- art-birches
- art-lofoten-harbor
policy_numberMS-PAF-0093127-09
deductible0
insured_value43950
annual_premium652
expiration2025-12-08
remarksDecember 8, 2024 to December 8, 2025, the first term after the 2024 reappraisal.
Traps it covers

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.

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.