MS-PAF-0093127-10

saved Dec 9, 2025 09:31expiration Dec 8, 2026trap

17linked records

2named, not linked

7questions

1file

Its page, with everything about it → valuables-policy-2026

Fields

Policy number	MS-PAF-0093127-10
Deductible	0
Insured value	43950
Expiration date	2026-12-08
Annual premium	684
Next payment due	2026-12-08
Remarks	Current. 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.

Linked to

17 records, 2 more named

Skein Lake, Ice-Out

Painting/Drawing · saved Jan 15, 2011 · → covered_itemopens its page

Untitled (Birches)

Painting/Drawing · saved Jan 23, 2011 · → covered_itemopens its page

Marrowstone Specialty Insurance

Insurance Carrier · saved Jan 31, 2011 · → no relationship nameopens its page

Lake Mendota, November

Painting/Drawing · saved Feb 11, 2011 · → covered_itemopens its page

Tennis bracelet

Jewelry Item · saved Mar 1, 2011 · → covered_itemopens its page

Diamond pendant

Jewelry Item · saved Apr 12, 2011 · → covered_itemopens its page

Lofoten Harbor

Painting/Drawing · saved Jun 27, 2012 · → covered_itemopens its page

Ray's Omega

Jewelry Item · saved Oct 27, 2012 · → covered_itemopens its pagetrap

Mom's pearls

Jewelry Item · saved Feb 22, 2014 · → covered_itemopens its pagetrap

Mom's engagement ring

Jewelry Item · saved Feb 23, 2014 · → covered_itemopens its pagetrap

Sapphire anniversary ring

Jewelry Item · saved Aug 14, 2017 · → covered_itemopens its pagetrap

Three Pears

Painting/Drawing · saved Oct 6, 2019 · → covered_itemopens its page

Diamond stud earrings

Jewelry Item · saved Oct 27, 2019 · → covered_itemopens its page

My engagement ring

Jewelry Item · saved Mar 24, 2020 · → covered_itemopens its pagetrap

Sølje brooch

Jewelry Item · saved Jul 21, 2020 · → covered_itemopens its page

Marrowstone - valuables policy, $684, pay today

Reminder · saved Nov 18, 2025 · → reminder_subject

Marrowstone - the valuables policy renews on the 8th

Reminder · saved Sep 20, 2026 · → reminder_subject

Named in the text, not linked

Linda Schroedl

Contact · names “Linda Schroedl”

Ray

Contact · names “ray”

→ the link goes from this record; ← it comes from the other one. These are the edges the build gives the app. A name in the text is only a match on the words and is never treated as a link.

Comments

Comments are added in the local viewer; this copy is read-only.

Document

finance/valuables-policy-2026-schedule.pdf →

documentclean 2 pages

Why it exists

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.

Story, 2016-12-08: After the first jewelry appraisal, they take out a valuables policy with Marrowstone.

Story, 2024-09-17: The jewelry is reappraised. The valuables schedule is updated that December, except for one ring.

Questions that use it

q102 What is Ray's Omega worth? q104 Is the sapphire ring insured for what it is worth? q106 What is on the valuables policy, and for how much in total? q111 What do we pay a year for all of our insurance policies? q120 Would the house policy pay if my jewelry were stolen? q123 Which insurance payment is due next? q172 What is running out in the next couple of months that I should deal with?

In the app

missing

From the app's own code (viewer/app_export.sh): Not made yet: run viewer/app_export.sh retired-couple.

One step out

As the app receives it

The graph nodes the build makes for it: the record, and its phones, emails, addresses, pictures and files.

{
 "$type": "n_type_insurance_policy",
 "id": "n_valuables_policy_2026",
 "createdAt": "1765272660000",
 "policy_number": "MS-PAF-0093127-10",
 "deductible": 0,
 "insured_value": 43950,
 "annual_premium": 684,
 "expiration": "2026-12-08T00:00:00.000Z",
 "next_payment_due": "2026-12-08T00:00:00.000Z",
 "remarks": "Current. 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."
}

{
 "$type": "n_type_file",
 "id": "n_valuables_policy_2026_file_1",
 "uri": "persona-file:finance/valuables-policy-2026-schedule.pdf",
 "createdAt": "1765272720000",
 "thumbnail_600": "persona-thumb:finance/valuables-policy-2026-schedule.pdf",
 "mime_type": "application/pdf"
}

Source

personas/retired-couple/records/finance.yaml:144

- id: valuables-policy-2026
  kind: insurance_policy
  carrier: marrowstone
  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_number: MS-PAF-0093127-10
  deductible: 0
  insured_value: 43950
  annual_premium: 684
  expiration: 2026-12-08
  next_payment_due: 2026-12-08
  remarks: Current. 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.