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Hartgrove Insurance, A Branch of TWFG Insurance Services. Blog

View the latest blog posts from Hartgrove Insurance, A Branch of TWFG Insurance Services..

  Our clients often ask us to explain the difference between the replacement cost and the market value of a home. The answer is often much different than people think. Market value can be defined in part as the most probable price that a property should bring in a competitive and open market under all conditions requisite to a fair sale. READ MORE >>

Mold is a topic that can cause anxiety for homeowners. For new homeowners, knowing what mold looks like, where it comes from, and what can be done about it can help them take care of their property. What Does Mold Look Like in the Home? Mold in the home can be black, gray, green, brown or yellow. READ MORE >>

Know What You Own Before You Buy Condo Insurance Coverage A condominium is different from a house or an apartment - you own part of a building or a property, but not all of it. Insurance for condominium owners is different, too. READ MORE >>

After a fire, burglary or another event in which you lost possessions from your home, it may be difficult to remember the details of every one of the belongings that you have accumulated over the years. In this situation, having a current inventory of your possessions, including make and model numbers, may help you with any potential insurance claims. READ MORE >>

Today, as car sharing has grown in popularity (well over a million people are members of various services in the U.S., according to the Transportation Sustainability Research Center (TSRC)), the number of options has grown, too. READ MORE >>

Every year, according to the Centers for Disease Control and Prevention, hundreds of people in the U.S. die from carbon-monoxide (CO) poisoning—and the invisible, odorless gas sickens thousands more. The numbers seem even more tragic when you consider that most of these deaths and illnesses are preventable. READ MORE >>

Foundation problems can subtle and easy to overlook, or painfully obvious. Either way, recognizing the signs of a foundation issue is important if you're a homeowner. It's also important to know what to do if your home has foundation trouble, whether you live in Rancho Palos Verdes or elsewhere. READ MORE >>

Frozen pipes can present an invisible threat – one that you might not recognize until the weather starts to warm. By then, the water damage can be significant and costly. Fortunately, keeping your home warmer, at a consistent temperature, and better insulated can help protect your pipes from freezing this winter. READ MORE >>

Most residential burglaries occur during the daytime when people are at work or school, and going away on vacation makes their homes even more attractive as targets. Prevention starts with understanding how burglars think. They look for homes that are unoccupied and unprotected, easy to access through concealed entry points, and blessed with good escape routes. READ MORE >>

They’re trees. And as with so many things in life, proper maintenance is critical. Keeping your trees healthy will allow you to continue to enjoy them and their benefits — one of which is providing enough oxygen for four people every day! READ MORE >>

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