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The Importance of Having the Right Renters Insurance in Northeast Ohio

12/31/2020

If you rent your home in Northeast Ohio, you need good renters insurance. Your landlord takes care of the basic repair issues you may face in your home, but he or she won’t be able to help should something happen to your personal effects. That means that having the right renters insurance policy is an invaluable part of taking care of your home and your household so that an unpleasant turn of events doesn’t catch you off-guard.

How the Right Ohio Renters Insurance Coverage Can Help You Protect Your Home

You don't want to leave the well being of your belongings up to chance. Even if you are extremely careful, you cannot prevent every type of disaster from happening to your residence, which is why having the right protection in place is such an important step. Let’s look at what good protection can do for your situation:

Coverage for your personal property is, of course, a must. Regardless of how good a landlord you have, he or she will most likely not take responsibility for your items should they be destroyed or simply even damaged. Your valuables, ranging from your electronics to your fine jewelry to your collectibles, you have valuable belongings and you do not want to suffer a complete loss of these items.

Your personal belongings are exactly that: personal, valuable, and important to you. Northeast Ohio renters insurance provides coverage for theft and vandalism so that you don't have to scramble to find a way to replace your items should they be stolen. While you cannot recreate sentimental value, you can relieve some of the financial burden by having the right insurance coverage in place.

This may be a surprise to you, but renters insurance coverage offers coverage for belongings in your car. Should someone break into your car and steal from you, Ohio renters insurance can help you replace those items. It is never pleasant to have to deal with theft issues, but when you have sufficient insurance protection at the ready, you don't have to handle the costs on your own. Just like you make sure that you have the right coverage for your vehicle, ample insurance for the belongings in your car is a valuable protection.

Protection for fire damage is a key part of insuring your rented home, because as we all know, fire can be a terrifying threat to your home and all your belongings. The right policy means you don’t have to live in fear of the unknown - and that peace of mind is priceless. Coverage for storm damage is also a huge benefit because you have no control over the weather or acts of nature. You do, however, have the means to prepare yourself for the storms that come your home’s way, so don’t settle for less than the right storm coverage for your situation.

You can also get coverage for the cost of somewhere to stay temporarily if your home is uninhabitable due to a disaster or catastrophe. If there’s a fire or significant storm damage and the structure is compromised, you don’t want to make a bad situation worse by not having a place to stay. We encourage you to not leave it up to chance when you can be armed for the unexpected.

We all have to deal with unforeseen variables at one point or another, so we need to be prepared for whatever comes our way. Just because you don't own your home doesn't mean that you shouldn't be well insured and prepared for any ups and downs that come along in the future, so take the time to select the best policy for your home.

Finding the Renters Insurance Policy That Meets Your Needs In Northeast Ohio

While finding the best fit for your rental home can feel overwhelming, help from the right Northeast Ohio insurance agency can help you find the protection you deserve. Your Cobos Insurance agent is here to help you navigate the ins and outs of Ohio renters insurance so that you can make an informed choice about how to best insure your rented home - and that can benefit you and your household for years to come.

At Cobos Insurance, we believe that having ample renters insurance coverage is a must and that you deserve to have the protection you need in order to safeguard your personal effects in your rented home. 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 find the right policy for your situation and your needs. Taking care of what matters to you is vital, and your rental home is no exception.

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Safeguarding Your Cleveland Used Car Dealership: What You Need to Know

12/23/2020

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As a business owner, you want your Cleveland used car dealership to be set up for long-term success. Having the right insurance protection is an invaluable facet of protecting your business from any unexpected issues that come up, and you should be able to have the best insurance coverage for your situation.

You don’t have to settle for less than the policy that fits your dealership when you can have the coverage that can give you peace of mind. Your used car dealership is a strong business, but issues can wreak havoc on the best of organizations. Someone in your position wants to have the right protection ready should your business have to deal with a mishap or disaster in the future, and a great policy can do that for you.

How the Right Used Car Dealership Coverage Can Protect Your Business

Even the most prepared used car dealership owner can be blindsided by unforeseen issues, so knowing how you can set your business up for long-term success in an uncertain environment is a must. Here are some important facets of a good Cleveland used car dealership insurance policy:

Dealers open lot coverage is important because it deals with physical damage situations. It also includes comprehensive coverage, which protects your business from storm damage, damage caused by nature, and theft issues. Dealers open lot coverage helps you handle the unpredictable disasters and issues that physical damage situations can procure - and that is no small thing for a used car dealership owner.

Garage liability coverage covers liability situations involving your used car dealership's garage. Protect your dealership’s garage with effective coverage; liability scenarios can come up in the blink of an eye. Since maintenance mishaps can be disastrous for your business, having the right coverage for your situation and your unique business is invaluable.

False pretense coverage is important for a car dealership because if someone uses another name to test drive a vehicle and then steals it, you could be out thousands of dollars. While you never want to have to deal with such a scenario, you could very well find yourself facing a false pretense issue at some point, so being prepared is a necessity.

Auto liability coverage helps you deal with accidents involving your used car dealership’s vehicles, which is a valuable benefit for your lot. Legal issues can drain your business’ resources and bankrupt its reputation, so having the right coverage can save you a lot of trouble. Since lawsuits can be a headache for everyone involved, arm yourself with the best coverage for your business autos - chances are, you will thank yourself later.

Optional inventory coverage takes care of physical loss or damage caused by someone or something outside your business. Insurance protection for physical loss and damage is a crucial part of setting your business up to thrive in the world we live in. Since there is no way that you can control external issues, having ample insurance coverage at the ready can be one of the best things you do for your business.

Why leave your used car dealership’s well-being up to chance? You don't have to take the first policy that comes your way when you can have the help you need in order to acquire the best policy for your business, so talk with your Cobos insurance agent about any questions or concerns you may have about your specific insurance needs. After all, you should not have to wonder whether or not you are sufficiently prepared for the ups and downs that come with any business endeavor when you can be certain that you have the right policy in place.

Selecting the Right Policy For Your Used Car Dealership In Cleveland

Finding the best protection for your needs is invaluable in every aspect of our lives, but it is especially important when it comes to protecting something as valuable as your business. You cannot know what will come up in the future, but you can be ready to deal with any obstacle that your business faces.

Here at Cobos Insurance, your protection is our priority, and we want you to have the tools you need in order to thrive for years down the road. 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 find the coverage that best suits your Cleveland business.

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Making Sure Your Vehicles Are Ready For Winter in Avon Lake

12/17/2020

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Avon Lake is a wonderful place to live, and having Lake Erie nearby is just another amazing perk. However, being right off the lake means that we face chill winds, dangerous road conditions, and poor visibility due to winter weather, so it is imperative that we prepare our vehicles for the icy road ahead. While you cannot prevent some issues from arising, you can prevent unnecessary problems by ensuring that your vehicle is ready for the cold months in Avon Lake.

Having the right coverage to safeguard your vehicle is a must, but it is also important to make sure that you don't find yourself dealing with unnecessary issues. Preparing your car or truck for the freezing temperatures means that you can have some well-deserved peace of mind, so don’t wait to be hit with raging weather before you prep your car or truck for another Northeast Ohio winter.

Preparing Your Vehicle For Winter in Northeast Ohio

Winters in Avon Lake can be fierce, and since in Ohio we can never be quite sure when the cold weather will decide to slam us, it is important that we waste no time in preparing our vehicles for the freezing temperatures.

Take care of any potential issues your car may have. In the summertime, you can sometimes get away with waiting a week to have something minor checked out (though it is certainly not recommendable). Not so in the winter; in the freezing winter months, even a minor situation can get blown out of proportion if it is not handled right away. Don’t allow a little problem to become a major issue when you can get your vehicle checked out by a professional so that you can drive into winter in confidence.

Checking your car’s battery is a must. Freezing temperatures can destroy weak batteries, and you don't want to find yourself dealing with a dead battery in the dead of winter if you can take steps to prevent that from happening. While it's always important to have your car battery in good condition, it is especially valuable in the freezing temperatures.

Install those winter wiper blades. Visibility is incredibly important when it comes to being safe on the road (especially an icy road), so having good winter wiper blades is an important aspect of preparing your car for the ice and snow. Remember to check your windshield wiper fluid because if it runs low, you could end up with frozen windshield wiper fluid - and that is not something you want to have to deal with this winter. Depending on your car's needs, you may need to get a winter formula, so that is something to consider.

Be sure to check your tire pressure as well. Icy roads and low tire pressure is a recipe for disaster - and motor vehicle accidents. Don't put yourself in the way of unnecessary danger by not checking your tire pressure. Of course, you cannot prevent every type of catastrophe from happening, but you can absolutely be proactive and make sure that your tires are ready for the chilly road ahead. You will feel safer when you know that you have taken the time to set your tires up for success over icy roads.

Ensuring that you have a good cover for your vehicle is also a must if your car is going to spend any time at all outside of a garage. The winter elements can be savage on an unprotected car or truck, so make certain that your car cover is up to the task. If not, investing in a good car cover can make a huge difference for your vehicle as we head into the winter months.

Protecting Your Vehicle So That You Can Enjoy Your Avon Lake Winter

While it takes a little upfront work, preparing your vehicle for our unpredictable Northeast Ohio winters can be a lifesaver. Don’t allow the ice and snow to catch you off guard this year when you can take the necessary steps to prepare your car for this winter season. Appropriate car insurance coverage is a vital part of protecting your car as well, so be sure to talk with your insurance agent about the best coverage to protect your vehicle.

Here at Cobos Insurance, we know well how Avon Lake winters can affect cars and trucks and we encourage you to prepare your vehicle for the season ahead. Call us at our Avon Lake office at 440-933-5223 or at our Elyria office at 440-324-3732; contact us today so we can help you safeguard your vehicle with an insurance policy that meets your needs.

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Five Ways to Make the Holidays Merrier in Cleveland This Year

12/8/2020

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It's the most wonderful time of the year! The holidays can be a busy, hectic time, but it doesn't have to be that way with a little bit of prep work. This year has made it harder to do more out-and-about activities, and coming up with a variety of fun things to do around your home is high on your list of priorities. We want to make your busy Christmas season a little easier, so we have compiled five fun ways to make your holidays merrier in Cleveland, Ohio. We hope you enjoy them as much as we do.

Five Ideas to Help You Celebrate the Holidays in Cleveland This Year

We have our own holiday traditions, but we all need a little help coming up with fun, unique ways to make Christmas extra special - especially in a year like this one. Mix and match to find your own favorite ways to celebrate.

Decorate a gingerbread house with the younger members of your family - you will be amazed at how creative your loved ones are. This is a great bonding activity for the family and you'll end up with adorable decorative gingerbread houses to place on your shelf or mantelpiece. Be sure to take some pictures to capture the memories.

Get a treat-filled advent calendar. If you have kids, you can opt for an advent calendar with their favorite toy brand or candy - they will eagerly await getting to open a new surprise each morning. However, advent calendars aren't just for kids. For the adults in your house, there are beautiful advent calendars that are filled with gourmet chocolates, handy little gadgets, make-up, or even wine. Why wait for that Christmas morning excitement when you can have a taste of it the entire month of December?

Make homemade Christmas cards with your family. This is a wonderful activity because not only is it a great way to spend time with your family but it is also a great way to spread Christmas cheer far and wide. Who doesn't love getting a heartfelt Christmas card, especially if it is handmade? There are many creative and easy methods to creating Christmas cards - and you can find online instructions to fit any skill level. Brighten someone's day and make them a custom Christmas card.

If you are unable to see family over the holiday season, have a virtual cookie recipe swap. You never know what you will learn - you might find out how to make your aunt's famous gingerbread or learn a new variety of sugar cookie from a cousin. Get everyone on a video chat together or even just do a group text to share the recipes - and let the deliciousness begin.

Deck the halls! Decorating for Christmas is always an event, but make it extra special time with your family this year. Go the whole nine yards - make your tree the best it can be and decorate your windows with LED light candles or greenery. We've all spent a lot more time in the house this year, so let's make our homes the coziest and the most joyful they can be. Make some hot chocolate and pull out some Christmas cookies and have a jolly time decorating with your family.

Think back to Christmases during your childhood; you remember the little things, don't you? It's the little touches that make the holidays so special and so full of joy and love. Don't get lost in the big things to the point that you lose sight of the little moments that make the holidays precious.

Making Your Cleveland Christmas One to Remember

However you choose to celebrate the holidays in Cleveland, make sure that you let your loved ones know how much they mean to you and how blessed you are to have them in your life. Years from now when you look back at this Christmas season, you're going to remember the time you spent with them and the effort you put into making them feel special.

At Cobos Insurance, we believe in the value of each and every day, and we encourage you to enjoy this holiday season to the fullest and to make some memories that last a lifetime. Whether you find your new favorite activity on our list or end up combining a few to make your own merry traditions, be sure to make this holiday season one you look back on fondly.

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Ohio Vacant Home Insurance That Fits Your Needs

12/3/2020

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Ohio Vacant Home Insurance That Fits Your Needs

If you are putting a house on the market, vacant home insurance can be an invaluable tool as you prepare to lease or sell the structure. First things first; let’s define "vacant home" to avoid confusion. A vacant home can be classified as vacant if the property is empty and does not contain personal items. A secondary house is not a vacant home because you keep belongings there even when you are at your primary residence. However, a house on the market waiting to be rented or even sold is considered a vacant house because it is sitting empty and no one is living there. It is important to keep this in mind: after anywhere from 30-60 days, your home will officially be classified as vacant and your homeowners policy will no longer be in play, so switching to good vacant home coverage is not something that should be put off.

You wouldn't have anything less than the best Ohio insurance coverage for your lived-in home, so make certain that you protect your vacant home's value with the same thoroughness. Unsurprisingly, a vacant home is exposed to greater risk than a lived-in home because no one is there to deter vandals or to prevent water damage issues from becoming catastrophic. While it would be oh-so-nice to never have to deal with unexpected issues and losses, those are just a part of life - and though no one can avoid all potential disasters, you can be ready to handle whatever issue comes your home's way by having the right Ohio insurance coverage in place.

Safeguarding Your Vacant Home With the Right Ohio Insurance Policy

Your home is a significant asset, and as it sits vacant, you don't want anything to diminish the value it has. It is helpful to you as a homeowner to understand what the right coverage can do for your Ohio vacant home:

Of course, loss coverage is an irreplaceable part of protecting your vacant home. If you have a covered loss, this coverage can help you deal with those expenses and move forward in a timely fashion. The fact is, you shouldn’t have to deal with loss without the best coverage for your needs - and you also shouldn't have to wonder if you have the coverage that can get the job done. That's why when it comes to protecting your property, loss coverage is a peerless asset.

Limited theft coverage helps you cover the cost of replacing property due to theft or vandalism. Unfortunately, a vacant home is far more vulnerable to the dangers of theft or vandalism than a home brimming with people and activity, so limited theft coverage is an invaluable feature. Don't allow the actions of others to drain you financially when you can be prepared for such a scenario.

While your home is waiting to be sold or rented out, you want it to be safeguarded from the danger of water damage that can wash away so much of the value you have poured into your home. Damage caused by a ruined sump pump or sewage backed up in your home’s drains can devastate your vacant home, costing you thousands of unplanned dollars. The last thing you want as you are preparing to lease or sell your home is to find that you are dealing with water damage, but having the right insurance coverage for your situation can greatly lessen the burden.

Issues come up, but they don’t have to take a sledgehammer to the time and investment you’ve put into your vacant home. When you have the right Ohio insurance coverage for your situation, you can focus on finding the perfect tenant or buyer instead of worrying about the building’s well being - and that can be a game-changer for you.

Insuring Your Vacant Home With the Right Insurance Coverage

You want to have the right protection for your specific situation, so talk with your Ohio insurance agent about the coverage your vacant home deserves. While searching for the best coverage for your vacant home can seem like an overwhelming task, it doesn't have to be when you have the guidance you need.

Here at Cobos Insurance, we know that your vacant home is far too valuable to allow unforeseen issues to depreciate its value. We believe that you shouldn’t have to guess when it comes to protecting an asset as significant as a vacant home and that you shouldn’t settle for less than the protection you deserve. 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 vacant home with the best coverage for its situation.

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The Importance of Having the Right Renters Insurance in Northeast Ohio

How the Right Ohio Renters Insurance Coverage Can Help You Protect Your Home ​

Finding the Renters Insurance Policy That Meets Your Needs In Northeast Ohio ​

Safeguarding Your Cleveland Used Car Dealership: What You Need to Know

How the Right Used Car Dealership Coverage Can Protect Your Business ​

Selecting the Right Policy For Your Used Car Dealership In Cleveland ​

Making Sure Your Vehicles Are Ready For Winter in Avon Lake

Preparing Your Vehicle For Winter in Northeast Ohio ​

Protecting Your Vehicle So That You Can Enjoy Your Avon Lake Winter ​

Five Ways to Make the Holidays Merrier in Cleveland This Year

Five Ideas to Help You Celebrate the Holidays in Cleveland This Year ​

Making Your Cleveland Christmas One to Remember ​

Ohio Vacant Home Insurance That Fits Your Needs

Safeguarding Your Vacant Home With the Right Ohio Insurance Policy ​

Insuring Your Vacant Home With the Right Insurance Coverage ​

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Archives

How the Right Ohio Renters Insurance Coverage Can Help You Protect Your Home

Finding the Renters Insurance Policy That Meets Your Needs In Northeast Ohio

How the Right Used Car Dealership Coverage Can Protect Your Business

Selecting the Right Policy For Your Used Car Dealership In Cleveland

Preparing Your Vehicle For Winter in Northeast Ohio

Protecting Your Vehicle So That You Can Enjoy Your Avon Lake Winter

Five Ideas to Help You Celebrate the Holidays in Cleveland This Year

Making Your Cleveland Christmas One to Remember

Safeguarding Your Vacant Home With the Right Ohio Insurance Policy

Insuring Your Vacant Home With the Right Insurance Coverage