Thinking of Buying a Lake House near Cleveland? Learn How to Find the Best Lake Home Insurance2/26/2019  From the time you were a little kid, you probably dreamed of owning a home on the lake. Jet skis, fishing, boat rides, and late night bonfires… A lake home could turn all of these things into regular weekend activities! The older you got, the more you realized that your own kids would love to experience these things too. You’ve been saving, dreaming, and saving some more and you finally have built up enough extra funds for your lake home! That was the most important step, but now what? Before thinking of what type of boat to buy or what size TV to put in the living room, consider how you’re going to protect that lake home that you worked so hard for. We’re here to break it down for you and help you learn how to find the best lake home insurance in Ohio.
What’s it going to cost? First of all, you’ll want to make sure that your lake home and all of the contents inside of your lake home are protected under whatever insurance policy you decide to purchase. Those beautiful floor-to-ceiling windows won’t do much good if they’re broken in a storm, just like your beautiful hardwood floors won’t look very beautiful if your lake home experiences flooding. You want to make sure you protect the home that you invested your time and money into. Insurance for lake homes can sometimes be more expensive than a typical insurance policy for multiple reasons. Because you most likely are using your lake home as a seasonal property that you visit but do not permanently live in, this means that more damages may occur and not be reported as quickly, because of the fact that you might not be aware of them until the next time you visit your property. Lake properties are also sometimes more secluded than your average home, which means that things like theft and vandalism could happen more easily with no one around watching. If your home is right on the lake, it can be more susceptible to flooding and the damages that come along with flooding, which is yet another aspect that adds to an increased price in insurance for your lake home. These are all very important factors to consider when you begin to look into how to find the best lake home insurance for your new purchase. Shop around Prices will range depending on which insurance company you go with. You want to make sure you’re getting the best deal and not paying a huge amount of money for insurance, especially if you could be paying a lot less at another insurance agency. Along with that, some agents are more familiar with lake home policies than others. You want an agent that knows what you need in terms of coverage and can get you that specific coverage that you need. You also want someone who knows how to properly handle situations and issues with your lake home. The main idea is that you want to make sure you’re in good hands. Go with what you know and trust While it is important to shop around and get the best pricing and coverage, you also want to make sure that the agency or agent that you go with is trustworthy. Think about adding your lake home insurance coverage on with your current insurance policy, after you have shopped around, of course. You want to be able to trust your agent with your lake home, especially because lake homes are not cheap. Another step that you could take to ensure that the agency that you go with is trustworthy could be to ask around and see what coverage other lake homeowners at your lake have. Asking around will give you real and honest testimonies about different agents or agencies and this can be extremely helpful when you begin to consider how to find the best lake home insurance. Don’t forget the boat! It’s important that you are fully aware of what your policy covers. We say this because some people don’t realize that their policy doesn’t cover things like boats and ATV’s. Many people that own lake homes also have additional “toys” and it’s important to make sure that those are covered as well. You don’t want to get into a boating accident and have the repairs be so expensive that you aren’t able to have a boat for the rest of the summer. Make sure you protect the things that bring you, your family, and your friends so much joy. Let us help you out today If you’re reading this article thinking, “I DO want a trustworthy agency that knows what they’re doing and can guide me through insuring my lake home,” then you’re in luck! Here at Cobos Insurance, we care about each of our clients, and we work hard to make sure that they are happy with every aspect of their policy. We also want to make sure that our clients know what their coverage includes and are knowledgeable about the type of policy that they choose. Click here to learn more about how we can help you along your lake home insurance journey. Now you’re on your way! There you have it folks… you now know more about how to find the best lake home insurance. It’s important that you do further research and talk to a trusted agent today, but we’re glad we could get you started and give you a basic understanding of how to find the best lake home insurance! Contact us today with any other questions you may have regarding insurance in Ohio!
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 Building a Home in Cleveland: Learn How to Best Insure It Making the decision to move out of your apartment or home that you’re renting or currently own to go and build a home is a big decision. It’s also a big step that you should be very proud of. You’ve worked hard for your dream home and now you’re finally about to see your dream come to life. Congrats! You’re probably thinking about what couch you’ll buy and what color you’ll paint the walls. While these things are great to think about, you should make sure that you’re also thinking of another very important thing to keep in mind when building a brand new house… Cleveland home insurance! We’re going to lay out some of the basics on how to best insure your Cleveland home. Wherever your home may be, in Cleveland or anywhere else, we want to help you figure out what coverage you need to best insure your newly built home. Figuring out how much coverage you need How much would it cost to rebuild your home? You’re putting a lot of time, money, and effort into building this new home. If something were to happen to it, we would certainly hope that you had the proper coverage in place. For this reason, it is so important to think about rebuilding costs when considering how to best insure your Cleveland home. A fire or a flood are just two examples of things that could be absolutely devastating to your home. Think about all of the repairs that would need to be made, potential construction that may be necessary in order to rebuild, and items inside that would need replaced. You’ll want to make sure that you have coverage for all of this, and the first step is to get in touch with your insurance agency and figure out exactly how much coverage you will need. Know what a standard homeowner’s insurance policy covers and add what you need Contents Coverage This does just what it sounds like it does… it protects the contents in your home. If a fire were to destroy your home, you not only would need to build a new home, but you would also need to replace all of your furniture, electronics, etc. This is very important to talk to your insurance agent about when considering how to best insure your Cleveland home. They will be able to help you take inventory of what you have and decide on the best way to cover these items. Dwelling Protection This protection provides coverage for the structure of your home. Your policy limit will determine the amount of money that you are covered for, so that would be something that is very important for you to ask your insurance agent about when looking into how to best insure your Cleveland home. All in all, you definitely want at least the structure of your house to be covered in the case of a fire, a flood, a hailstorm, etc. Liability Protection This covers injuries that may occur while other people are on your property. You definitely don’t want to be held liable for anyone’s injuries, as you could end up paying large amounts of money if this were to happen. Standard homeowner’s policies include this protection because of how important it is in protecting you from unnecessary stress and bills. Be sure to check with the insurance agent that you talk to and see if this is included in the policy that they are trying to sell you. You’ll want to make sure of this when you’re figuring out how to best insure your Cleveland home. Add on what you need… While those are a few examples of what comes with a typical homeowner’s insurance policy you are also able to add additional coverage options at a cost. It is important to realize that every insurance company is unique and operates differently, so you should definitely talk the policy through with an insurance agent before purchasing any coverage. Make sure you go with a reputable insurance companyIt is very important that the insurance company you are buying your policy from is reputable. You want to make sure that you are in good hands so that when disaster strikes, whatever that may mean for your house, you will be prepared and have everything taken care of for you in a timely and stress-free manner. After all, you are paying for this coverage, so it makes sense that you would want great customer service from a company that you can trust. Now you’re ready to go purchase your new homeowner’s insurance policy Now that you have some more knowledge of how to best insure your Cleveland home, it’s time to go out there and choose your policy! We hope that by breaking down what a typical homeowners insurance policy covers, why you need it, and what to look for in an agency, we’ve given you some basic knowledge that you’ll be able to grow by talking with your insurance agent. The more you know, the better position you’ll be in to choose the best policy and agency for you and your family.
We’re here to help Here at Cobos Insurance, we are dedicated to providing our customers with the best of the best. We care about each individual customer, and would love to chat with you today about any of your insurance questions or needs. Click the link here to get connected with an agent and learn how we can help today!  As we all know, having the right insurance policy in place is very important. Not only does it give you a peace of mind, but it also protects you from a lot of problems that could arise, were you to get into a car accident, have property damage, have someone injured on your company’s property… the list really does go on and on, which is why it is vital to make sure that you have the proper coverage in place before these things happen.
We don’t want you in over your head in debt and lawsuits without anyone to help you out, and we’re sure that you don’t want that either. With all of this being said, it is also important to realize the different options that you have, not only in the coverage that you choose, but in the insurance agent/agency that you decide to work with. There are two different types, captive and independent insurance agents, and we’re breaking them down for you so that you can better understand which will be the best fit for you personally. Keep reading to find out which vital things you need to consider when choosing between a captive agent and an independent agent. What’s the difference? Before you even begin choosing between a captive agent and an independent agent, it’s important to know what these terms mean. A Captive Agent is an insurance agent that works with one insurance company. They work for that company and that company alone. This can sometimes limit your options, as you’ll read more about below. Although captive agents can only offer you one company’s coverage, they do have an in-depth knowledge of this company and can give you a lot of information on the coverage offered. An Independent Agent/Agency is not tied to one particular insurance company and can therefore offer you different types of coverage from different insurance companies. This will typically give you access to the best rates, as you can choose between multiple policies. Choices… The choices that you will have as a customer is one of the most important things that you should think of when choosing between a captive agent and an independent agent. One of the biggest differences between an independent insurance agent and a captive insurance agent is the fact that an independent agent can offer you more choices when it comes to your insurance coverage. If you’re looking to get the best bang for your buck, having the ability to shop around will be huge. If this is the case for you, you’ll want to go with an independent agent or agency versus going with a captive agent so that you can choose the lowest priced option/ the best deal. If having choices is important to you, it is very important to realize which agent/agency can give this to you. Knowledge… Knowledge should definitely be a factor that you consider when choosing between a captive agent and an independent agent. If one of your top priorities is the knowledge that your agent has about a specific type of coverage, this may lead you towards a captive agent. Captive agents can only offer you insurance policies from the company that they work for, which means that they only work with that company. This can be a pro and a con. It can be a pro because the fact that they only work with the one company means that they tend to know a lot about that company. They probably have a very in-depth knowledge of how the company operates and what is and isn’t included in their coverage. This is great for those who are not very insurance-savvy. One con, though, is that by only working with this one company, captive agents only know about their coverage and since that coverage is all that they’re able to offer, you won’t necessarily be told of other options that could be a better fit for you and your family. The agent probably won’t try to tell you about a policy that they’re not able to sell you, even though it could end up being a better option. But what it really comes down to is this… In the end, it is all about what works best for you and what you are wanting from both your agent and your policy. Knowing what captive agents and independent agents are by definition is the first step in choosing between a captive agent and an independent agent, but after that it is all personal preference. Whether you want someone who can give you in-depth information about one plan and have a “one-and-done” insurance shopping experience, or you want to be able to choose your plan, saving you money and giving you an endless amount of options. So now it’s time to take the next step Now that you’re all set to get out there and get started choosing between a captive agent and an independent agent, we want to tell you a little bit about how we can help! Here at Cobos Insurance, we offer you many different options, giving you the lowest prices available while also informing you about the coverage options so that you are able to find your personal best fit out of numerous policy options. We know that for most people, the freedom to choose their own policy is huge, and we support that by offering as many options as we are able to offer. Our insurance agents will walk with you through the entire process, guiding you along. Call or email us today to get in touch! The sooner you get your policy all set up, the sooner you’ll have that peace of mind that comes from knowing you’re in good hands. Contact us today!  Getting Started
Regardless of the size of your business, it is important to realize how much of an impact social media has when it comes to marketing. Not only are people spending more and more time on their phones, but many people are turning to their phones for entertainment, news, and just about anything else you can think of. This means that they’re doing so rather than watching TV and sometimes rather than even getting out of their house. If you want to advertise anything, you are going to need to have a social media presence. The days of magazine ads and billboards are dwindling and social media is taking over. We’re going to break down how to get started using social media for your small business in Cleveland, but you can apply these steps and tips regardless of where you live. Follow these steps and you’re sure to spark some interest and find some new customers. Step by step… Decide what you want to accomplish with your social media Goal setting is important in just about every aspect of life, but it is especially important when developing a marketing strategy. You will want to sit down and write out what you would like to accomplish through your social media marketing. Are you looking to spread the word about your company to get new customers? Do you want to brand your company in a specific way? Do you want to better connect with the customers you already have? The good news is that social media can help you do all of these things. You can definitely try to accomplish all of these goals, but narrowing it down can really help you to develop a plan and execute it well. Have a plan for what voice/brand you want to portray Having a voice for your company and deciding what that voice sounds like is huge in trying to brand your business. This is very important to think about when looking into how to get started using social media for your small business in Cleveland. Your social media presence gives off a certain voice, whether it is for your personal social media or for your company social media accounts. Some accounts are more lighthearted and fun while others are more serious and to-the-point. This will all depend on what industry your business is in and what your company’s goals are, but it is important to choose a tone/voice and to keep it consistent. Prepare content ahead of time One thing that can be really helpful to do, especially when you are first learning how to get started using social media for your small business in Cleveland, is to get some things ready before launching your social media profiles. This could include doing a photoshoot and having some photos saved up, creating a few graphics, or even creating a document with photos/graphics and captions that you plan on using and having those ready to go. You want to be consistent, so preparing ahead of time is very helpful. Use scheduling apps One of the most helpful things, when it comes to social media marketing, is using scheduling resources. Websites like Hootsuite and TweetDeck allow you to schedule out your content. This is extremely helpful, especially for companies that want to pre-plan and be prepared ahead of time rather than trying to use their phones to post every day. This will also help you to be more consistent in posting, as well as being able to consistently post the same message across multiple platforms. Designate someone with experience to run the accounts When figuring out how to get started using social media for your small business in Cleveland, it is extremely important to make sure that you have the right person running your social media accounts. This means that you want someone who is mature and responsible enough to keep all of the content appropriate, on-brand and consistent. With that being said, you also want to make sure that they are in-the-know. The last thing that you want to encounter when figuring out how to get started using social media for your small business in Cleveland is having someone running your account, not knowing how to use the different functions of each individual social media platform. One thing to consider would be to use a marketing or social media management company, as this allows you to pay someone else a fee (typically a small fee) and you won’t have to worry about running your social media or having to pay someone a full salary to do it. Generate exposure to your account There are a few ways to get exposure for your account, and we’re going to focus on two of these ways today. The first way is by using hashtags. Hashtags allows users to find your post simply by searching the hashtag. This means that if you have an insurance company and use the hashtags, “#insurance” and “#CarInsurance,” people who do a general search of the hashtags will see your post. They will not even have to be looking for your account, they will simply stumble upon it from that search. One thing that you can do is to keep a note or document of the hashtags you want to use on each post and copy and paste that list to save time. Another way to get exposure to your social media account(s) is to use ads. This is something that you will want to do deeper research into when figuring out how to get started using social media for your small business in Cleveland. You have to weigh the pros and cons, as posting advertisements via social media can add up in cost, but can be extremely helpful. Don’t forget… Although this article was about social media marketing, it is important to remember that there is more to business than just that! Making sure your business is protected is huge and here at Cobos Insurance, we want to help you do just that. Click the link right here to learn more about how we can help you today! (https://www.cobosins.com/business-insurance.html) Now go post! Now that you know how to get started on social media, go out there and post away! In this day and age, social media marketing is huge and something that anyone, anywhere has access to. Take advantage of being alive in a day and age where you really can reach just about anyone. Contact us with any questions regarding your small business insurance needs or just chat about marketing opportunities we might be able to help you with! |
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