Our Annual Home Insurance Policy Renewal Has Arrived

A perfunctory post only.

My wife arrived home early last evening while I was watching an episode of Parenthood and enjoying a can of strong (8% alcohol) beer. I'm now into season three of that series, by the way, so this episode was the fourth in that third series.  

Anyway, I was to bed not too very much after 9 p.m when I was aware that my brother had arrived from wherever he had gone in the early afternoon to resume his daily drinking. 

Considering the day's early morning rigours and how tired I was afterwards for want of sleep, that did not translate towards any especially easy slip into slumber last evening.

Nevertheless, sleep of a fashion did arrive, but I was up again ahead of 12:30 a.m. to begin my several hours overnight working here at my computer. My wife and at least one of her two sons was also still up, but my brother had retired to his bedroom for the night.

Eventually I was the only person sitting up, of course. But I returned to bed a little earlier than I usually do ─ I think that it may have been as early as 4:30 a.m.

My morning commenced just ahead of 9 a.m., although I had been awake since around 8 a.m. and not finding much success thereafter at finding further sleep. My brother was downstairs watching T.V., but I waited until almost 10 a.m. before also going downstairs to boil some water for a black, unsweetened instant coffee, and then I joined him.

I noticed that at some point while I had been in bed earlier in the morning it had rained, but the street outside had nearly dried off. Even so, the day remained very overcast, and in the latter afternoon we had further rain.

Usually my brother and I watch some T.V. together from roughly 10 a.m. until around 1 p.m., but this morning he halted his participation around 11:40 a.m. in order to get some further rest because he had a dental appointment ahead.

While he was resting, the mail arrived ─ we have finally received our annual home insurance policy renewal, the premiums of which are due June 14th: $1,442. I realize that this may seem exceptionally low to may homeowners, but that doesn't make it any easier to pay ─ especially since the annual utilities were due early last month, and the devastating property taxes will be due in earliest July.

I did not wish my brother to see the policy quite yet, so I kept it to myself. Then around 6 p.m. I got busy scanning both sides of a specific page, blocking off a key item of information that I do not wish my brother to know about.

I then printed out a new sheet of paper to replace the original with.

And now the policy is sitting on the dining table awaiting his perusal when next he is home and notices it.

I will be retiring early this evening as soon as I notice he has arrived home, as is my wont; consequently, he will be sober when next he and I speak come the latter morning tomorrow. The removed piece of information is unrelated to the insurance policy itself, and instead relates to our mortgage banking institution. Thus, he need know nothing of it insofar as concerns the home insurance coverage and amount. 

I thus have no guilt. However, I am not going to venture into an explanation of what was afoot.

Okay, my evening is well underway, and I would like to see some T.V., have a beer, and enjoy a little supper before he gets home, so I am ending this post here. I will only say that my wife has remained home the entire day, and that has reduced my blogging window.