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What You Need to Know About Ohio Vacant Home Coverage

8/27/2020

So, what counts as a “vacant home”? A home counts as vacant when the property is empty without any personal belongings inside. For example, a secondary home is not a vacant house because you still use it - your personal property is kept there even when you aren’t present. On the other hand, an empty house on the market that’s about to be sold or rented is a “vacant house” because it is empty. If you are about to sell (or rent) a house, vacant home insurance is an invaluable tool that can benefit you greatly.

Unfortunately, when a home is vacant for a period of time, it is exposed to risks such as vandalism as well as issues like water damage. When no one is there to stop (or at least mitigate) the damage, you can find yourself with a lot of unexpected expense on your hands - and no one needs that, especially when so much energy is being spent trying to get the home sold or rented. You wouldn’t settle for less than the best coverage for the home you live in - and you shouldn’t have to forgo the right protection for your vacant house either. After a period of time (usually 30-60 days), a home is considered vacant and your homeowners policy will need to be switched to a vacancy policy so that your property is safeguarded the way it deserves. Don’t put off finding the insurance protection that is ideal for your Ohio home’s needs.

Protecting Your Vacant Home With the Right Insurance Protection

You want to have as smooth an experience as possible when it comes to selling or renting out your home, and being prepared to tackle sticky situations is an important part of taking care of what you own.

Loss coverage is an irreplaceable aspect of protecting your vacant home. Should you have a covered loss, having the meaning to take care of an association assessment is important, which is only one of the reasons why having ample loss coverage is so important. Don't find yourself financially drained due to a loss when you can have Ohio vacant home insurance coverage that fits your situation. You deserve to be able to rest a little easier during the sometimes stressful process of selling or renting a home, and ample loss coverage can help with that.

Limited theft coverage is vital as well when it comes to safeguarding your vacant house in Ohio. This coverage helps you take care of replacing personal property that you have lost because of a vandalism situation or a theft issue. Don’t allow yourself to be vulnerable to mishaps and disasters when you can be ready to deal with any theft and vandalism situations you may find your vacant home in.

Something that cannot be overlooked in Ohio is the danger of water damage. Whether from sewage backed up in drains or from a malfunctioning sump pump, water damage can cause nasty havoc that is a pain to deal with. When you have the right coverage inplace to help you face whatever situation comes head-on, you can focus your energy on preparing your home to be sold or rented.

There is no reason to allow your vacant home to be vulnerable to mishaps and disasters when you can have the appropriate insurance protection for your situation, so don’t settle for less than the best fit for your needs. You cannot prevent some negative issues from arising (regardless of how hard you try), so having the right insurance coverage at the ready can make a huge difference for you as you go through the process of selling or renting out your home.

Ohio Vacant Home Coverage That Meets Your Needs

Here at Cobos Insurance, we believe that you deserve to have the best insurance coverage for your vacant home. Be sure to talk with your insurance agent about your specific situation and your unique insurance needs. Everyone has a different situation, and you should be able to take care of your vacant home regardless of whether you are there or not.

Your vacant Ohio home deserves to be safeguarded. Call us at our Avon Lake office at 440-933-5223 or at our Elyria office at 440-324-3732; you can contact us today and we can help you take care of your home with the best coverage for your needs.

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Finding the Right Coverage for Your Cleveland Food Truck

8/21/2020

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Finding the Right Coverage for Your Cleveland Food Truck

Food trucks are something special. The feeling of standing in line, the tantalizing scent emanating from the truck, the satisfaction of tasting the food as you stand outside; the experience is unparalleled. You give your customers that fun, delicious experience, and they appreciate it more than you will probably ever know. Let’s focus on something you do know: the world is unpredictable and you want your business to be able to succeed regardless of what comes your way down the road. How can you safeguard your Cleveland food truck from the unexpected? Having a good Ohio food truck insurance policy plays a vital role.

Things happen. Maybe it will be a property damage issue that arises when you least expect it or maybe it will be a bodily injury situation that pops up at an inopportune moment, but at some point you will likely find yourself dealing with an issue. That’s just part of life. That is why insuring your food truck with the right Ohio food truck insurance policy is a must. Your food truck should be safeguarded from any unexpected issues that can come up, and having sufficient Cleveland insurance coverage is an invaluable part of taking care of the business you have poured so much time and energy into.

Insuring Your Food Truck With the Right Insurance Coverage For Your Situation

Being armed against disaster is important. Having an insurance policy that has your back when mishaps arise is an invaluable thing, and you should have an idea of what protection your food truck needs:

Liability insurance coverage is, of course, indispensable. Even though a food truck has less going on than your typical restaurant would, you cannot afford to have insufficient coverage for liability issues. One mishap can drain your resources, which is never pleasant, so have the coverage that can help you take care of any lawsuits or other issues.

Another important part of good Ohio food truck insurance is bodily injury coverage, which takes care of injury issues that can arise from accidents on or with your food truck. While hopefully no one ever gets hurt, you cannot foresee every eventuality, so having ample coverage at the ready can be a game-changer for everyone involved.

Coverage for physical damage is also highly beneficial for you as a food truck business owner. This facet of Ohio food truck insurance can help you cover the costs of repairing or replacing your food truck if it sustains significant damage. Your food truck without the truck is just "food" - but fortunately the right physical damage coverage can help you keep your food truck functioning with excellence.

Finished products and services coverage can help you handle situations that stem from the food that you sell. You and your employees exercise caution and care, but sometimes mishaps occur anyway. Protecting yourself and your business by having the finished products and services coverage you need is an asset to your business - and it can help you have some peace of mind as you serve the customers you love.

Your business is something worth taking excellent care of - and the food and experiences you bring to the Cleveland area are unique and a colorful part of the region. Setting yourself up for long-term success is not only the responsible thing to do, it also allows you to enjoy your food truck business without having to constantly worry about the unknowns - and that is no small thing.

Protecting Your Food Truck With the Right Ohio Insurance Coverage

Don’t forget that you can talk with your Cobos insurance agent about your business’ specific features and your unique insurance needs. You are not alone when it comes to finding the best coverage fit for your business, and while finding the right coverage can feel like a daunting task, it doesn't have to be when you have the right expertise to draw from.

Here at Cobos Insurance, we know that you take great pride in your food truck business and we would love to help you get the insurance protection your business deserves. There is no time to waste when it comes to safeguarding your food truck so that it can thrive in uncertain waters.You can call us at our Avon Lake office at 440-933-5223 or at our Elyria office at 440-324-3732; contact us today and we can help you find the insurance policy that meets your needs in Cleveland, Ohio.

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Ways to Make the Most Of Summer in Northeast Ohio This Year

8/13/2020

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Fun things to do in Cleveland this summer

Sure, fall is fast approaching, but it isn’t here yet. We still have a little bit of summer left, and we should make the most of every nice day we get here in Northeast Ohio before cooler days are upon us. After all, when you are bundled up for colder weather, you will wish that you spent more time enjoying the warmer days of summer.

In the beginning of summer, it is easy to get excited about doing fun things with your family - but enthusiasm can wane as fall approaches. Don’t let the nearness of autumn dampen your summer fun - make the most of every beautiful day and try some activities that you have never tried before. You want to be able to look back and remember the wonderful things you did this season - so go ahead and make it unique and fun.

Ideas to Help You Enjoy The Rest of the Summer

There is no time like the present, and in the fall you don’t want to look back and wish that you had taken advantage of the lovely late summer temperatures.

Have a weekend family outing - you don’t have to leave the area for a fun time together when you live in the Cleveland area. It can be whatever you want it to be: shopping and dinner, picnicking at a favorite location, or visiting a museum or a botanical garden. Spending time together is the important thing - and having a little adventure in the process makes it special.

Go out on the water. Whether you have your own boat or you have a friend who has one, spending some time out on the water is a great way to enjoy the lovely late summer weather. Don't put off relaxing on the water with the wind through your hair and the mist on your face - sometimes it's just what you need to relax and reset. It's also a great way to pause and get away from your daily concerns, and who doesn't need some intentional peace? Let's face it: we all do.

Plant some late summer/fall flowers. Spending time in the garden is a wonderful, relaxing way to enjoy these late summer days - and you will have a lot to show for your hard work. The good news is, you don't have to be an experienced gardener to make your yard look gorgeous with a riot of late summer/early fall color - there are many easy flower options to choose from. For example, helenium and bee balm are wonderful late summer additions to your yard, as are chrysanthemums.

The Cleveland Metroparks are amazing, and taking a relaxing walk at a beautiful metropark is a great way to spend a summer afternoon or evening. There's just something invigorating about being outdoors at a Cleveland Metropark, and you should enjoy some lovely weather walking if you have the chance. Those moments in the great outdoors are a great way to let go of stress - and it can help you be present in the present.

Try some new ice cream flavors. Nothing says summer like ice cream, and there are some crazy and delicious flavors out there - some of which might become your new summer favorite. You can go out and get some or you can set up your own ice cream bar at home - there's no limit to the fun and tastebud-tingling combinations you can create.

In an area like Northeast Ohio, we have to make the most of the cycle of the seasons since we live in an area that has changing seasons - not everyone gets to experience the beauty of summer turning into fall, after all. However, it's important that we don't forget that we still have a little time with summer left this year, and we should enjoy it with our loved ones every chance we get.

Here at Cobos Insurance, we know that you want to be intentional with your time and trying new activities is a great way to make the most of this season while we're in it. Every day is a gift and we encourage you to enjoy the late summer sunshine with your friends and family. Making memories with the ones you love in Northeast Ohio is one of the best things you can do this year.

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Why You Need the Right Mobile Home Insurance Coverage in Cleveland, Ohio

8/7/2020

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Why You Need the Right Mobile Home Insurance Coverage in Cleveland, Ohio

Having the right Ohio mobile home insurance in Cleveland is an important thing, which is a fact you understand well as a mobile homeowner. Whether it is your primary residence or a secondary home, you want to be ready to take care of any obstacles or issues that surface, and having ample mobile home insurance protection is a valuable part of helping you deal with the unexpected.

Here’s a reality that all homeowners know but no one wants to think about: you cannot prevent disasters and catastrophes from arising. You aren’t superhuman (at least as far as we know) so making sure that you have the best insurance coverage for your situation is a non-negotiable. You deserve to be prepared for the variables that you have no control over, so don’t wait for a storm to land a tree onto your house to think about finding insurance protection that has your back.

The Benefits of Cleveland Mobile Home Insurance

Having the coverage that meets the needs of your mobile home is an invaluable aspect of making sure you are not caught off guard down the road. Knowing the benefits of good coverage can be very helpful:

Coverage for fire damage as well as smoke damage is an important part of taking care of your mobile home. No one has to explain how devastating fire damage can be, so making sure you have the coverage that can handle that is vital. Smoke damage, while not as frightening, can be just as detrimental to your belongings as well as your home’s interior - so good smoke damage coverage is also invaluable for your mobile home.

Coverage for damage caused by nature, such as lightning damage and disaster wreaked by windstorms, is a crucial aspect of caring for your home. You don’t want to have to deal with hail destroying your windows or a fierce wind ruining your roofing, so putting the right protection in place can be a highly beneficial thing for you.

Coverage for water damage from plumbing is an invaluable part of taking care of your home as well. You don’t want to ever find yourself dealing with the aftereffects of water damage without the right coverage to take care of it, so having ample protection is a must. Don't put off getting the protection you deserve; it can make a huge difference when the waters rise.

Coverage for both vandalism and theft is another important aspect of good insurance protection. The cost of replacing damaged or stolen property can be significant, so having good Cleveland mobile home insurance at the ready can be a game-changer for you and your mobile home.

You can also add on coverage to help you take care of any situation-specific needs your home may have. For example, coverage for food spoilage or additional living expenses can make a night-and-day difference for you, especially if your mobile home is not your primary residence. You don't have to allow such mishaps to cost you hundreds or even thousands of dollars when you can have the protection you need.

While thinking about issues involving your mobile home isn’t enjoyable, it is important that you take the time to plan for any issues, big or small, that can wreak havoc on your home. Having excellent coverage in place can help you not only be ready for the unknown but also help you enjoy owning your mobile home. Stress and fear of the future is a drainer, so spend that energy on finding solutions and the best Ohio insurance coverage for your needs.

Finding the Right Insurance Protection For Your Cleveland Mobile Home

Your home isn’t any less important because it’s a mobile home, and settling for the first insurance policy you see isn’t the best way to safeguard such a valuable part of your life. After all, your mobile home should have the best coverage for its unique situation. When you have an Ohio insurance agent with your best interests at heart, you can have access to the expertise you need in order to find the right insurance policy for your home.

Here at Cobos Insurance, we know that your mobile home deserves to be safeguarded effectively, and the right Cleveland insurance coverage can make a significant difference for you and your household. You can call us at our Avon Lake office at 440-933-5223 or at our Elyria office at 440-324-3732; contact us today so that we can help you protect your mobile home from the unexpected.

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What You Need to Know About Ohio Vacant Home Coverage

Protecting Your Vacant Home With the Right Insurance Protection ​

Ohio Vacant Home Coverage That Meets Your Needs ​

Finding the Right Coverage for Your Cleveland Food Truck

Insuring Your Food Truck With the Right Insurance Coverage For Your Situation ​

Protecting Your Food Truck With the Right Ohio Insurance Coverage ​

Ways to Make the Most Of Summer in Northeast Ohio This Year

Ideas to Help You Enjoy The Rest of the Summer​

Why You Need the Right Mobile Home Insurance Coverage in Cleveland, Ohio

The Benefits of Cleveland Mobile Home Insurance ​

Finding the Right Insurance Protection For Your Cleveland Mobile Home ​

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Archives

Protecting Your Vacant Home With the Right Insurance Protection

Ohio Vacant Home Coverage That Meets Your Needs

Insuring Your Food Truck With the Right Insurance Coverage For Your Situation

Protecting Your Food Truck With the Right Ohio Insurance Coverage

Ideas to Help You Enjoy The Rest of the Summer

The Benefits of Cleveland Mobile Home Insurance

Finding the Right Insurance Protection For Your Cleveland Mobile Home