Wrenfield Family Office · Property & Assets

Insurance Schedule

3 policies · $340,650 total annual premium · rendered Tue 2026-07-21

▲ Every policy on this schedule renews inside the next 60 days — the first in 25.

All three fall between 2026-08-15 and 2026-09-15 — a 31-day stretch inside the window through 2026-09-19 — carrying $340,650 of annual premium between them. Nothing should be allowed to lapse:

Fine Art & Collections Floater (Ardent Specialty) — renews 2026-08-15, 25 days out.
Homeowners — Kettle Hollow (Granite Peak Mutual) — renews 2026-09-01, 42 days out.
Ranch — Elk Fork (High Plains Mutual) — renews 2026-09-15, 56 days out.

Insured value below appraised value — for review, not advice:

Fine Art & Collections Floater — insured $24,600,000 vs appraised $27,780,000 (Collection Inventory Register), a gap of $3,180,000 (12.9%). Tom to eyeball whether to re-schedule at renewal.

Policies

on the schedule

Total annual premium

$340,650

across all policies

Renewing ≤60 days

window to 2026-09-19

Value-drift flags

insured below appraised

The schedule

Carrier / policy	Insured item / property	Coverage limits	Annual premium	Renewal	Flags
Ardent Specialty ASF-FA-••••9902 Fine Art & Collections Floater	Scheduled fine arts & collectionsworldwide · agreed value · Kestrel Lane LLC	Total insured value $24,600,000agreed value · $0 deductible	$61,500	2026-08-1525 days out	Renews 25d Under-covered $3.18M
Granite Peak Mutual GPM-HO-••••7731 Homeowners — Estate Form	Kettle Hollow, CT compoundmain residence & structures · Kestrel Lane LLC	Dwelling $22,000,000+ 5 more lines (structures, contents, liability…)	$186,400	2026-09-0142 days out	Renews 42d No appraisal
High Plains Mutual HPM-FR-••••2048 Ranch / Farmowners Package	Elk Fork Ranch, MTworking ranch / seasonal residence · Kestrel Lane LLC	Ranch dwelling $8,400,000+ 5 more lines (outbuildings, machinery, livestock…)	$92,750	2026-09-1556 days out	Renews 56d No appraisal

Both flags are for a human to review — never coverage advice. What the renewal flag covers, stated exactly: it catches every policy on this schedule renewing within 60 days (today 2026-07-21; window through 2026-09-19), and any dec page whose renewal date can't be read cleanly would show here as a loud "check by hand." The schedule is built one row per declarations page found — so a policy the office holds with no dec page in the stack has no row here, no premium, and raises no renewal flag. That is the edge of this machine, not a bug in it; if a renewal is tracked somewhere else in the office and isn't on this page, that is the reason. The drift flag compares the fine-art floater's insured value against the appraised total in Tom's Collection Inventory Register; the buildings have no appraisal on file, so they read "No appraisal." · See just the flagged rows on the review list, or a policy's own page for its flag math.