It’s getting warmer outside and the days are getting longer, which means it’s almost prime motorcycle weather, good news for all of our bike owners out there! Before you even think about riding your motorcycle though, you need to make sure all of your insurance coverage is up-to-date and that you have all of the coverage that you need. Today, we’re breaking down the basics of why you should review your motorcycle insurance policy before taking to the road.
Some states require coverage
If you’re one of our Ohio readers, you are legally required to have motorcycle insurance, so keep that in mind before you even think of driving your motorcycle to work tomorrow. It is very important to check with an insurance agent and see whether or not your state requires you to have motorcycle insurance. The fact that most states do require motorcycle insurance is a prime example of why you should review your motorcycle insurance policy before taking to the road. Even if your state doesn’t require it, you should still look into insuring your motorcycle. Even if you choose to go with the most basic coverage, that could end up helping you out a lot if an accident were to happen.
There are different types of policies available
Not every insurance policy is the same and that is important to remember when looking into coverage options. You want to be sure that you understand what each type of coverage is before choosing what coverage you’ll pay for. We’re breaking down a few types of coverage here but it is important to realize that there are additional coverage options available and you should always discuss your options with an agent before choosing which you’d like to go with.
This policy offers you both bodily injury coverage and property damage coverage. This coverage can, for the most part, be summed up by saying that it protects you from having to pay someone’s injury or repair bills if you were to cause an accident. You don’t want to be tens of thousands of dollars in debt, which is why this is on our list of why you should review your motorcycle insurance policy before taking to the road.
Comprehensive and Collision Coverage
Comprehensive coverage basically helps you out with things that don’t involve a collision accident. If your motorcycle were to be stolen, this coverage would be the one that you would want to have in place to help cover the cost of a new one. If anyone vandalizes your motorcycle, comprehensive coverage may also help to cover repairs.
Collision coverage is pretty self-explanatory, but what it does is it helps you out in situations where you collide with another vehicle and damage your motorcycle. In this case, your insurance agency will help you cover repairs/replacements that need to happen.
Uninsured/Underinsured Motorist Coverage
If you are in an accident and the person on the other end of that accident doesn’t have insurance, you could be in trouble. What if you were on a nice evening ride and another motorcycle came around a turn too fast and collided with you? What if the owner of that motorcycle didn’t have coverage? This is just one example of why you should review your motorcycle insurance policy before taking to the road. If you were to find yourself in this position, you could end up having to pay all of your medical, motorcycle, and many other bills on your own. Don’t let this situation happen to you. If you get a good uninsured/underinsured motorist coverage policy in place, you won’t have to worry about this type of situation, because the coverage will help you out with things like your motorcycle damage, medical bills, and even lost wages if your injuries are more extreme.
You want to make sure your policy is up-to-date
If you got a new motorcycle or swapped your old one for something different, you want to make sure that your motorcycle insurance policy reflects that. If you haven’t made your insurance company aware of those changes then your new motorcycle is not covered by your policy and that could really hurt you if you were to get into an accident. Making sure your coverage is up-to-date and accurate is extremely important and is one of the biggest reasons why you should review your motorcycle insurance policy before taking to the road.
The bottom line is…
We say all of these things in this article to say… Insurance is extremely important. While it may not be “necessary” in a few states, it is something that you should really reconsider if you don’t have a motorcycle insurance policy in place. The cost of insurance doesn’t even compare to the cost of medical bills, motorcycle repairs, compensating for lost hours at work, and even more sad realities of motorcycle fatalities. Do yourself a favor and make sure you are covered for when disaster hits, because unfortunately it could happen at some point in your life.
Here at Cobos Insurance we offer many different plans that we can help you talk through in order to choose the best coverage option for you and your family. Click the link here to find out more about our motorcycle insurance policies and how we can help you choose the one that best fits your needs. We hope that this article helped you to better understand why you should review your motorcycle insurance policy before taking to the road and that you’ll do further research and find what works best for you.
Whether you’re here visiting friends or family, here for a short vacation, or you live in Cleveland and just want to find some entertainment options, look no further. We’ve compiled the city’s gems into a short and sweet list of five things in Cleveland that you have to check out this spring. This Ohio city has a lot of hidden gems that will keep your family, or your group of friends, having fun.
Check out the jazz and blues scene
While Cleveland, Ohio is definitely not New Orleans, there are still some great places that feature live jazz and blues music! If live music is your thing, Cleveland is your place, and these are some of the top places you’ll want to check out on our list of five things in Cleveland that you have to check out this spring. Here are a few to try out...
With live shows just about every night, this place has all of the entertainment you could possibly need. Not only are they know for entertainment, but they also have a full menu of food with six dining rooms and three bars. They also have a four-seasons outdoor dining area with moveable walls, which is great for those warmer spring days!
BOP STOP at The Music Settlement
Located on the Near-West side of Cleveland, the BOP STOP is a great place to spend your evening. Not only is it a great time, but the money from your ticket purchase goes to a great cause. With over 250 events hosted per year, you can be sure to find a great show to catch during your time in Cleveland this spring.
The mission of the Cleveland Cultural Gardens is to bring “peace through mutual understanding,” and that is exactly what it does. The gardens depict poets, scientists and more, all of whom have contributed to the cultures of the world. The gardens are located in Rockefeller Park and span about two miles.
West Side Market
Cleveland’s oldest publicly owned market, the Westside Market has over 100 different vendors which feature a lot of different ethnic diversity. From fresh flowers, to baked goods, to fresh meat and veggies, this market really does have it all. Tourists travel from all over to check out this market, and they have even been featured on the Travel Channel and Food Network. It’s no wonder why it made it onto our list of five things in Cleveland that you have to check out this spring. Here are a few of the vendors we’d check out if we were you...
The Cheese Shop
The Cheese Shop offers over 175 kinds of rare and traditional cheeses from all over the world. Yes, that’s right, 175! That’s a lot of cheese, guys. Check it out and bring some cheese home for your night wine night.
Bread and pastries are just two of the treats offered at Theresa’s Bakery. Not only do they have bread, but they actually have over 30 kinds of bread. That’s a lot of bread! Did we mention cannolis? Because they have those too… 17 flavors of them, in fact. Definitely one you’ll want to add to the list of five things in Cleveland that you have to check out this spring.
B.A. Sweetie Candy Company
Not only is B.A. Sweetie Candy Company a candy shop, but they actually specialize in nostalgic and hard-to-find candies. That means that they might just have that candy that you used to eat as a kid but haven’t been able to find anywhere else. Give them a try if you’re looking for something sweet!
Watch an Indians Game
Watching a Cleveland Indians baseball game is one of the classic Cleveland traditions, but something you can’t talk about Cleveland in the spring without. Year after year, Cleveland fans gather at Progressive Field to see the Indians take on opponents game after game, and there’s nothing like it. Do yourself a favor and partake in this, one of the most American pastimes.
The Holden Arboretum
Located about half an hour from downtown, The Holden Arboretum features the Murch Canopy Walk and Kalberer Family Emergent Tower. While this is a little difficult to fully describe, (you have to go to get the full experience) The Murch Canopy Walk is basically a really long walkway that is 65 feet above ground in a forest. The tower goes even higher, hitting a height of 120 feet. This isn’t an experience you get everyday, and this unique little gem of an experience in Cleveland is one of our favorites on the list of five things in Cleveland that you have to check out this spring. You’ll thank us later!
Now get out there and explore the Land!
Now that you’ve read our list of five things in Cleveland that you have to check out this spring, you’re officially ready to go out and explore Cleveland, or as some call it, “The Land.” From live nightlife entertainment to exploring forests at 120 feet, there really is no limit to what you can do in Cleveland, Ohio. Pack up the kids or get your friends together and get ready to have a fun adventure, because there’s an endless amount of adventures awaiting you in Cleveland. Have fun exploring!
Longer days and lighter jackets could only mean one thing… tax return season! It could also mean spring, but hey, we know how excited everyone gets to see that refund come in the mail. Depending on your income, refunds can be pretty large! You’re probably thinking about what you might buy or invest in with those new funds. Maybe you’ll get a new TV or a computer for the family. Maybe you’re even thinking about going on a family vacation to Disney World. What you should consider, though, is protecting your family with life insurance. While your family might not be as happy foregoing Disney World for life insurance, they’ll thank you in the long run once they realize how important and beneficial a life insurance policy can be.
Why You should Forego Other Purchases for Life Insurance
While a brand new TV might sound great and make you happy, it won’t take care of your children after you’re gone. It also won’t cover your funeral costs. A life insurance policy, on the other hand, will do just that. Life insurance is very important, and although taking the family to Hawaii may seem important right now, protecting their financial futures is more important than snorkeling and picture-perfect sunsets, believe it or not.
If you’re reading this article and you are the main provider for your family, then you should definitely prioritize protecting your family with life insurance. From childcare so that your spouse can become the sole provider, to funeral costs, the death of the provider of the family could be catastrophic if there isn’t a life insurance policy in place. The proper life insurance policy will make sure that you have income replacement in place in case of the death of one of the family providers. This can be vital, as you would be going from living comfortably with two incomes, to potentially struggling or at least incurring a lifestyle change by going from two salaries to one.
Another thing to think of, as mentioned before, is the cost of a funeral. If you haven’t looked into funeral costs lately, you definitely should do a quick google search. Long story short, funerals aren’t cheap. The last thing you want to worry about when a loved one passes away is coming up with the money for a funeral when you’re trying to think about how to provide for your children. We get it, and that’s why most life insurance policies will cover funeral costs. This is just another added peace of mind for you and your family. Do your entire family a favor and pass up Mickey Mouse for protecting your family with life insurance.
Memories last forever… but so could your debt
One very important thing to consider when thinking about protecting your family with life insurance is that your debt, if not taken care of, will be passed on to your family when you, yourself, pass on. This means that the house, your boat, your new vacation home… any of that debt will be passed on to be taken care of by your family. The last thing you want a grieving family to have to worry about is taking on the debt of a loved one. If you don’t want your family to carry the burden of your debt, then you should call us today to learn more about protecting your family with life insurance. We will walk you through the details of a life insurance policy and make sure that you are getting the coverage that will best fit you and your family.
Another reason to consider, if personal debt passing down isn’t enough, is that business debt also passes down when you pass away. This means that your company’s debt could come back around to your spouse or children to take care of. The new start-up that you began last year… all of that debt could be passed on to your wife and children. Do everyone a favor and make sure you have a proper life insurance policy in order today, even if that means you have to keep watching movies on a smaller screen for family movie night.
It’s extra money…
When you really think about it, you survived all year without this extra money that you’ll be getting for your tax return. You most likely didn’t really miss the money all year when they were taking it out. This check that you’re getting now is basically extra money when you think about it. Why not use that extra money to do something that benefits your entire family? We can also help you find a plan that fits in your family’s budget, so there's no need to worry!
We’re on your side and here to help
In the end it is important to remember that peace of mind is something that you really can’t put a price tag on. That’s why we place so much emphasis on having the proper life insurance policies in place. We truly believe that peace of mind is important, and protecting yourself and your family from debts, stress, and anything else that may come up is so important to us here at Cobos Insurance. We want you to live your best life, and we want you to do that by making sure you’re insured and protecting your family with life insurance! Click here to learn more about how we can help you find the perfect life insurance policy for you and your family.
It might still be freezing cold in Cleveland, but the sun has come out a few times and the birds are starting to chirp, which could only mean one thing… Spring is finally coming!
Spring, for many people, represents a fresh new start. Whether it's getting outside and going on a run, or finally tackling that project you’ve been putting off, the sunshine and the fact that there are flowers sprouting up seems to motivate people. With all of that being said, everyone knows that spring cleaning is one of the most popular “springtime motivation” activities that so many people partake in. “Out with the old and in with the new” seems to become everyone’s mantra for a few months every spring.
We’re here to give you some quick tips on how you can not only get your home clean this spring, but keep it clean throughout the year. Keep reading to hear our tips to help keep your Cleveland home in great shape!
Out with the old…
You would be surprised at how many things people have in their homes that they do not use, and have not used in years, in some cases. One of the main causes of a messy home is clutter and that is why getting rid of things is the first and most important thing on our list of tips to help keep your Cleveland home in great shape. That shirt you haven’t worn in a year? Donate it. The jeans you haven’t been able to fit into for two years but keep telling yourself you’ll wear once you start going to the gym more? Donate those and you can buy a new pair as a treat for yourself once you hit your fitness goals.
Go through the old paperwork piling up in your office and throw away what you don’t need. You’d be surprised how much you can accumulate throughout the year. The main idea is, you can’t have a clean home if it is always filled with things you don’t even need. Donate and throw things away so that you can move on to the next step: using all of that new space you now have to organize and store the things you ended up keeping. Don’t just do this once a year either, try to make it a habit to go through your clothes every few months and get rid of what you don’t need. You’ll thank us later.
Head to an organization store and get yourself some storage
Stores like Ikea and The Container Store have everything you need to keep your house tidy. From small bins to shelves for your garage, they will be able to help you find the perfect storage for all of your things. Maybe you need new pantry shelves to keep everything organized, or maybe you need a bookshelf to hold all of your books. Regardless of what you need, it’s important that you make sure that everything has a place in your house so that things aren’t just sitting out everywhere. Storage is key when talking about tips to help keep your Cleveland home in great shape.
You don’t have to tackle it alone
Something you might consider is hiring someone to help you out. Even if you don’t think you can afford a housekeeper, there are always high school and college students looking to make a few extra bucks that would definitely be willing to help you out in exchange for a little bit of money. Having someone else there with you to tackle the mess will not only cut the time in half, but it will also make you feel more motivated and capable knowing that you don’t have to do it alone.
Make it a family affair
If you have kids, you probably understand what we mean when we say this, but isn’t it funny how you can clean your children’s rooms every day and they still seem to be messy again each night? One tips to help keep your Cleveland home in great shape is to make spring cleaning a family affair. If the kids are involved in the hard work of cleaning the entire house, they’ll be less likely to mess up the work that they put in. Show the entire family how much work actually goes into making things look nice and their pride of having cleaned the whole house just might affect whether or not they throw their dirty clothes in the hamper at night.
Another important thing to keep in mind
As always, we don’t want you to think about just making your house look good, but also making sure it is protected. One thing is certain, you wouldn’t spend hours or an entire day cleaning out a house that you didn’t care about. You obviously care, and that’s why you’re reading our tips to help keep your Cleveland home in great shape article and preparing to clean your house! We have home insurance plans available that will protect your home and all of your valuables in your home. Our goal is that when you go to sleep in your newly washed sheets, you’ll also have a new peace of mind that comes from knowing your home is protected, and no matter what you may face, Cobos Insurance has your back. Click here to contact us today regarding your Ohio home insurance needs.