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And just the two houses and the two cars?

q112 questions.yaml · questions.yaml:229 finance
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"5,362" is not in the supporting records. It may be worked out or written differently. Values in contains are meant to be written exactly as stored, so check it.

Question

And just the two houses and the two cars?
A good answer

$5,362 a year - house $1,862, cabin $1,418, RAV4 $978, truck $1,104.

5,362

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Supporting records

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

propertyhouse-madison
carrierdriftless
policy_numberDM-HO-2087341-07
deductible1500
insured_value438000
annual_premium1862
expiration2027-03-01
next_payment_due2027-03-01
remarksCurrent. March 1, 2026 to March 1, 2027, paid in full. I raised the deductible from $1,000 to $1,500 this term to hold the premium down. Through Linda Schroedl.
propertycabin
carrierpinery
policy_numberPTM-SD-551208-22
deductible2500
insured_value385000
annual_premium1418
expiration2027-05-15
next_payment_due2027-05-15
remarksSeasonal dwelling policy, May 15, 2026 to May 15, 2027. Bought direct from Pinery's office in Rhinelander, not through Linda.
carrav4
carrierdriftless
policy_numberDM-PA-6642190-15
deductible500
annual_premium978
expiration2027-01-12
next_payment_due2027-01-12
remarksJanuary 12, 2026 to January 12, 2027. Liability 250/500/100, collision and comprehensive with a $500 deductible, glass $100. Both of us are listed drivers.
carf150
carrierdriftless
policy_numberDM-PA-7718305-09
deductible500
annual_premium1104
expirationtoday+24d
next_payment_duetoday+24d
remarksCurrent. The truck has its own policy because Ray set it up the week he bought it and nobody ever combined the two; it renews in the fall. Same limits as the RAV4. Linda says combining them would save about $60 a year.
Traps it covers

expiring_soon Ray's passport runs out in about eight weeks, before the anniversary trip to Norway they are planning for 2027. The truck's registration and policy and the dishwasher warranty end within weeks.

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.