irmi: TIPS YOU CAN USE: MAKE SURE YOUR HOLIDAY DECORATIONS ARE SAFE TO USE - 10/16/09 10:46 AM
 
TIPS YOU CAN USE:  MAKE SURE YOUR HOLIDAY DECORATIONS ARE SAFE TO USE
Each year holiday season fires injure 2,600 individuals and cause over$930 million in damage. According to the United States Fire Administration(USFA), there are simple life-saving steps you can take to ensure a safeand happy holiday. By following some of these precautionary tips, you cangreatly reduce your chances of becoming a holiday fire casualty.
Christmas trees--When buying a live tree, make sure the needles are green.The needles should not break if the tree is freshly cut. If you bounce thetree on the ground and needles fall off, the … (0 comments)

irmi: TIPS YOU CAN USE: MAKE CERTAIN YOUR JEWELRY IS PROPERLY INSURED - 10/17/08 04:47 AM
Many people overlook the need to properly insure their expensive jewelry,believing that it is automatically covered by their homeowners policy.While homeowners policies do cover jewelry, this insurance usually issubject to a much lower limit than the overall contents coverage. Thisreduced limit is called a "sublimit," and a typical sublimit is $1,500 forloss by theft of jewelry, watches, and precious and semiprecious stones.If your jewelry is worth more than the sublimit in your homeowners policy,you should consider purchasing specific insurance to cover it. Thefollowing is a good process to follow.
* Arrange an appointment with us to review your jewelry coverage. Bring … (0 comments)

irmi: TIPS YOU CAN USE: DEFUSE THOSE ELECTRICAL FIRES - 09/20/08 11:16 AM
The following is a loss control tip you can use on your Web site or inclient communications with the proper attribution to IRMI.
Defective electrical wiring systems cause approximately 40,000 residentialfires annually, according to a United States Consumer Product SafetyCommission (CPSC) study. In addition, electric cords and plugs areinvolved in about 7,000 fires annually. The National Electrical SafetyFoundation offers numerous tips to safeguard the home against electricalfire and related losses, including the following.
* Verify that outlets and extension cords are not overloaded.
* Examine electrical cords to ensure they are not frayed, damaged, orplaced under rugs or carpets.
* Verify … (0 comments)

irmi: TIPS YOU CAN USE: DANGERS OF GOING BARE ON WATERCRAFT COVERAGE - 07/18/08 04:33 AM
TIPS YOU CAN USE: DANGERS OF GOING BARE ON WATERCRAFT COVERAGE
Boatowners typically face large property and liability loss exposures fromtheir boating activities while often going without proper insurance. Thefollowing loss scenarios point to the need for specialized boatownerscoverage. Remember that many of these loss examples are not covered (orhave tough restrictions) under the standard personal auto or homeownerspolicies.
* Your cruiser collides with a speed boat whose operator fails to yieldthe right of way, causing extensive damage to your boat. The owner of thespeed boat does not have any insurance coverage.
* An expensive bass boat you just purchased is … (0 comments)

irmi: TIPS YOU CAN USE: ARE THE LIMITS OF INSURANCE FOR YOUR HOME ACCURATE? - 06/20/08 04:42 AM
TIPS YOU CAN USE: ARE THE LIMITS OF INSURANCE FOR YOUR HOME ACCURATE?
Is the amount of property insurance on your home correct? What is theappropriate amount of coverage for your home? To begin with, it should beinsured for at least 80 percent of its replacement cost when covered undera standard homeowners policy. Replacement cost refers to the amountnecessary to repair or replace damaged building parts with items of likekind and quality. Some insurance companies even require 90 percent orhigher figures when the guaranteed replacement cost option is offered.With this option, the policy pays the full cost of replacing your home,without … (2 comments)

irmi: TIPS YOU CAN USE: WINDSTORM RISK CONTROL TIPS - 05/16/08 04:58 AM
TIPS YOU CAN USE: WINDSTORM RISK CONTROL TIPS
Windstorm and hurricane losses account for an inordinate share ofhomeowners losses every year. In particular, people on the southeasternand central eastern seaboard and the Gulf Coast face substantial lossexposures to hurricanes and tropical storms. There are, however, steps youcan take concerning your home that can reduce your exposure to theselosses. These include risk control measures to four critical parts of yourhome susceptible to high wind damage -- the roof, windows, entry doors,and garage doors.
* Roof -- The installation and design of a roof is a critical factorconcerning protection from high winds and … (0 comments)

irmi: CELL PHONES AND DRIVER DISTRACTIONS - 04/18/08 04:49 PM
TIPS YOU CAN USE: CELL PHONES AND DRIVER DISTRACTIONS
According to the National Highway Traffic Safety Administration, driverdistractions are a contributing cause in approximately 25 percent of allmotor vehicle crashes or about 1.2 million accidents. However,distractions can be hard to quantify, and the number of accidents due todriver distractions is difficult to define. What can further complicatematters is that there may be more than one distraction, such as eatingwhile chastising a child in the backseat. In addition, vehicles havebecome much more sophisticated with options such as navigation systems,DVD players, and video games.
Cell phones are considered one of the leading driver distractions. As … (3 comments)

irmi: TIPS YOU CAN USE: EVALUATE YOUR NEED FOR FLOOD INSURANCE - 03/19/08 05:09 AM
TIPS YOU CAN USE: EVALUATE YOUR NEED FOR FLOOD INSURANCE
According to FEMA, flooding causes billions of dollars of property damagein the United States each year. If you are like many homeowners, however,you may be unaware that the standard homeowners insurance policy you buydoes not cover flood losses. You may believe that you have a low risk tothis peril but FEMA reports that approximately 33 percent of all floodclaims occur in communities in which flooding is deemed to be a low tomoderate risk. So do you really need a separate flood policy? Thefollowing tips and ideas may prove helpful in answering this … (1 comments)

irmi: TIPS YOU CAN USE: Understanding your Homeowners Policy and Auto Policy - 02/21/08 07:25 AM
Properly understanding your insurance policies is a must. While we realizethat an insurance policy may not make for exciting reading, you need to do it, and we haveseveral resources available to help you understand what your homeownersand auto policies do and do not cover.
Let's take a quick look at the homeowners policy. It provides four primaryproperty coverages.
* The dwelling* Other structures, like a fence or detached garage* Personal property* Additional living expense, in case you have to move out of your homeafter a loss
The homeowners policy also covers your liability in case someone isinjured on your property.
Your personal auto policy covers … (0 comments)

irmi: TIPS YOU CAN USE: KIDS, CARS, AND CAR SEATS - 02/20/08 04:51 PM
According to NBC News, about 340 children have died from being leftunattended in a vehicle in the last 10 years. Such tragedy does not haveto happen; it can be avoided. Here are some suggestions you might want toincorporate into your daily routine if you have small children in yourcar.
- Put something you'll need like your cell phone, handbag, lunch, orbriefcase on the floor in the back seat.
- Get into the habit of always opening the back door of your vehicle everytime you reach your destination.
- Ask your child's day care provider to phone you if your child doesn'tshow up when expected. … (1 comments)

 
Peter Tuttle, Brentwood Insurance, Cool Springs Insurance -TuttleCPA.com (Peter Tuttle, CPA, CLCS)

Peter Tuttle

Brentwood Insurance, Cool Springs Insurance...

Brentwood, TN

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Peter Tuttle, CPA, CLCS

Address: *Mail: PO Box 3267; Brentwood TN 37024, - Appts: , Franklin, TN

Office: (615) 530-6872

Fax: (615) 379-2306

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