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Hartgrove Insurance, A Branch of TWFG Insurance Services. Blog: spring

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More and more new communities and home developments have Home Owner Associations, or HOA's. However, not all HOA's are the same. First-time home buyers should investigate the community and the health of an HOA prior to purchasing a property. Many HOA's add amenities and value to a community. READ MORE >>

There are many common myths about potential dangers in and around the home that can keep some homeowners up at night. However, the gap between myth and fact can make all the difference when it comes to reducing risk in your house. So what does the data tell us are the biggest risks to your home? READ MORE >>

With just 11 days until statutory authorization for the National Flood Insurance Program is set to expire, Congress has no obvious plan to extend it. While the U.S. House passed a comprehensive five-year reauthorization bill last November, making a number of important reforms, the Senate has responded by doing approximately nothing. READ MORE >>

It is a fact that tornadoes can happen anytime, anywhere—often striking with little or no warning. A critical prerequisite for helping to save lives and prevent harm is to know the signs of an impending tornado and being prepared on what to do when a tornado warning or watch is issued. READ MORE >>

  GUAYNABO, Puerto Rico - With families and communities still recovering from Hurricane María in Puerto Rico, anticipating the next hurricane season could bring more stress. Planning ahead can help survivors feel better prepared. READ MORE >>

The home may seem like one of the safest possible places to be, but this fallacy can lead homeowners into a dangerous trap. Preventable accidents are not only common, but they can also be incredibly harmful to the residents of the home (or even the neighbors. READ MORE >>

“No winter lasts forever; no spring skips its turn.” That’s a quote from author Hal Borland — but another favorite saying might be even more appropriate for this time of year: “Be prepared.” After all, warmer weather brings plenty of risk to go with its beauty. READ MORE >>

Everyone is concerned about the safety and well-being of their home, and nowhere is it more apparent than in the number of different types of home security systems available. Here are the four different types of home security options available and what they mean for homeowners. 1. Local Alarms READ MORE >>

“You probably don’t think your dog would ever bite someone, let alone cause a serious injury, but dog bites are more common than you might realize. 4.5 million occur every year in the U.S., according to the Centers for Disease Control and Prevention, and most victims are young children. READ MORE >>

  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 >>

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