Cobos Insurance Center
  • Home
  • Our Story
    • Meet Our Team
  • Coverage
    • Personal Insurance Products >
      • Auto Insurance
      • Home Insurance >
        • Renters Insurance
        • Vacant House
        • Mobile Home Insurance
      • Boat Insurance
      • Motorcycle Insurance
      • Recreational Vehicle Insurance
    • Business Insurance Products >
      • Food Truck
      • Non-Profit Insurance >
        • Social Services
        • Church Insurance
        • Directors and Officers
    • Life Insurance Products
  • Contact Us
  • Blog

Ohio Business Insurance in Cleveland: Coverage That Fits Your Situation

12/5/2019

0 Comments

 
Ohio Business Insurance in Cleveland: Coverage That Fits Your Situation
No matter what area of business you are in, it is important that you have the coverage you need to protect it properly. Whether you are in the trucking business or are in the beauty industry, your Cleveland establishment deserves the right insurance policy to safeguard it from the unexpected - and having the Ohio business insurance policy that fits your situation is an invaluable part of taking care of the business that you have worked so hard to build. 

The fact is, the unexpected can knock your legs out from under you if you do not have the right insurance policy, one that takes every eventuality into consideration. Your Cleveland business should be protected on all sides so that you can grow and expand your business without the constant fear of disaster, and when it comes to something as important as your business, you shouldn’t have to take chances. Fortunately, with the right coverage, you can give your company the protection it needs in order to thrive for years to come. 

Coverage That Can Help Protect Your Cleveland Business

No matter how successful your business is, you cannot afford to risk it by not having the right insurance coverage.  There is no reason to allow your business to be set back long-term by an unfortunate circumstance when you can have the Ohio insurance policy that can help you make your business the best it can be. Knowing what your business’ insurance needs are is vital, and being prepared ensures that you won’t have to be caught off guard by a mishap.

So what do you need in your policy in order to give your business the protection it requires? There are many important aspects of commercial property insurance that make it a vital part of protecting your business. There is every reason to make sure that your property is well safeguarded - it is too valuable to do otherwise. Having the right general liability insurance in your Ohio business insurance policy is vital as well, because if an injury occurs on your property, you don’t want to find yourself in a lawsuit without the insurance protection that can help you deal with the situation. There are many different liability issues that can surface, but with the right policy, your Cleveland business doesn’t have to be unduly vulnerable to them. 

Another crucial aspect of  protecting your business is having good Ohio workers’ compensation coverage. Whether you have dozens of employees or just a few, you want them to be well taken care of and to have the coverage that can help give them peace of mind. They will appreciate knowing that you care enough to ensure that they have the workers’ compensation they need, and your business gets the protection you deserve. Depending on the nature of your business, you may not have given much thought to the importance of commercial auto coverage, but it is a valuable asset for you as a business owner. Whether you have a company car for making regular deliveries or you simply have employees who need to run an errand or two for the business, you want to have the right coverage to safeguard you and the company. 

Finding the Insurance Protection That Meets Your Business’ Needs

Your business is an important part of your life and the lives of those involved - employees, partons, and suppliers alike. It isn’t something you treat lightly, so ensuring that your business has the right coverage is vital. Talk to your independent insurance agent about your specific needs in Cleveland, Ohio. You should not have to settle for less than the right protection for your situation, and your agent can help you find the best fit for you. 

You have put so much time and energy into your day-to-day operations as well as into your business’ big picture, and you want to give your company the best protection you can. Here at Cobos Insurance, we believe that your business matters and that you should never be alone when it comes to safeguarding your company. 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 you need to protect your business in Cleveland, Ohio.
0 Comments

Protecting Your Car This Winter in Cleveland, Ohio

11/28/2019

0 Comments

 
Protecting Your Car This Winter in Cleveland, Ohio
Northeast Ohio is truly a great place to live. It’s beautiful, it has vibrant cities, and - perhaps most wonderful of all - it has Lake Erie. That being said, we have some pretty unpredictable and cold winters here and if we’re not careful, our vehicles can suffer for it. Freezing temperatures, hazardous road conditions, and weather that offers us low visibility are all things we have to prepare to deal with as chillier weather heads our way. The good news is, there are steps we can take to protect our cars during the winter that can give us an edge.

Of course, having the right Cleveland car insurance policy is the first step when it comes to protecting your vehicle from the unexpected. Everyone’s situation is different, so be sure to talk with your insurance agent about how to best insure your vehicle. In addition to having the right coverage to safeguard your car, there are things you can do to help prevent unnecessary seasonal issues from coming up.

Giving Your Car the Care It Deserves

Refreshing your winter routine can save you a lot of trouble down the road (pun intended!). Sometimes nasty weather creeps up on us out of nowhere, so keeping everything in good order is an important part of taking care of our cars in Cleveland. Of course, there will always be things that are out of our control, but since safety comes first, making sure that we have prepared for the ice and snow ahead is invaluable.

  • Having winter wiper blades is important. Winter conditions can be extremely harsh and you don’t want to find yourself driving in those unpredictable conditions without good winter windshield wipers. It's hard to come up with something more important than excellent visibility, so make sure that you have wiper blades that help you with that this winter season.
 
  • Make sure to check your car’s battery as well. Cold temperatures in Cleveland can be a disaster for a battery that’s on its last leg, so make sure that everything is as it should be. The last thing you want on a dark, chilly winter evening is to have a dead car battery on your hands. 
 
  • Be sure to check your windshield wiper fluid - you don’t want that to run low and freeze. Depending on your car, you may need to use a winter-specific formula to ensure you don’t find it frozen one morning. A little bit of care for your vehicle can go a long way, so be sure to check the fluid.
 
  •  Check your tire pressure - low tire pressure can be a very dangerous thing on slick or icy roads. There is no need to risk a devastating accident due to low tire pressure when it is something that can easily be taken care of. Better safe than sorry!
 
  • Since your car's well being is so important, another thing you can do is invest in a quality car cover for your Cleveland vehicle. If your car is going to spend much time sitting outside of a garage, investing in a quality car cover is something to seriously consider. You want your car to be well protected and shielded from the elements - and covering it can be very beneficial on that front. 

Going the extra mile to safeguard your car can be one of the best things you do for your vehicle this winter! Don’t wait for issues to show up before taking the steps to give your car the care it needs. It can save you a lot of trouble in the future and it’s always good to be ready to handle whatever comes your way. 

Setting Yourself Up For a Wonderful Winter

No matter what this Northeast Ohio winter brings, you can be prepared to handle it! Here at Cobos Insurance, we know how important your car is to you and how crucial it is to your daily activities - and we want to set you up for success. 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 get the coverage you need for your car and your situation. None of us should have to face Cleveland winters alone!
0 Comments

Five Ways to Get Into the Cleveland Christmas Spirit With Your Friends and Family This Holiday Season

11/22/2019

0 Comments

 
Cleveland Christmas
It may still be November, but with a late Thanksgiving this year, Christmas will be here before we know it! Now is the time to start thinking about holiday preparations and spending time with your loved ones. After all, Christmastime only comes around once a year - we should enjoy it thoroughly along with our friends and family.

We all have our own favorite ways of celebrating the season, but it is always fun to try a new activity or outing to celebrate the holidays. Since you are lucky enough to live in the Cleveland area, you get to reap the rewards that come with living in such a unique and vibrant city. There's so much to see and do in Cleveland, and what better time to explore the beautiful place we live in than this holiday season? Once you try out some of these Christmas-themed activities, you'll want to add them to your list of favorite holiday traditions! 

Top Five Ways to Enjoy Christmas Cheer in Cleveland 

  • Host a cookie swap party for your friends and family! You could even invite your neighbors to join in the fun! There’s just something about sharing beloved recipes that brings everyone together - and getting to sample those recipes is a bonus. It is always so interesting to see what everyone's favorites are. Have some salty snacks to balance out the sugar and you have a recipe for a great cookie swap!
 
  • Attend Winterfest in Cleveland’s Public Square. This is a wonderful experience for you to share with your friends and family. Winterfest is held the weekend after Thanksgiving, so it is the perfect way to start the season’s festivities! There’s music, dancing, carriage rides, and breathtakingly beautiful lights. What’s not to love? Plus, it’s free! You don’t want to miss it - it may become a tradition!
 
  • Visit the Cleveland Botanical Garden - they have the most stunning Christmas displays that include gorgeous decorated trees and gingerbread houses. Over the holiday season, they have exhibits that are transformed into a winter wonderland - and if you need a head start on your Christmas shopping, the Garden gift shop is the perfect place to kick off your holiday shopping. 
 
  • The Cleveland Museum of Art’s Winter Lights Lantern Festival is definitely something to explore if you love the thought of gorgeous Christmas lights that reflect cross-cultural traditions. There’s so much to see and do, and there are even workshops for making lanterns if you would enjoy trying your hand at creating your own lantern!
 
  • Put up your Christmas tree! What better way to enjoy the season than to make putting up your tree a family event? Crank up the Christmas tunes and whip up some hot chocolate, and you are ready to make some memories! Sometimes it’s the simplest things that make the biggest impact on us, and this is an extra special activity to share with the children in your life. 

Bonus: we know that we said "five," but if you have never been Christmas caroling at a nursing home or even for some friends or neighbors who need a little extra cheer this year, this is the year to try it. You don’t have to be a great singer to spread Christmas joy through Christmas carols, and there’s no better way to get into the Christmas spirit than to bring life and cheer to others. 

Celebrate This Season With the Ones You Love Most

However you choose to get into the Cleveland Christmas spirit, be sure to take the time to let your loved ones know how much you treasure them! It can be easy to lose sight of what’s really important in all the hustle and bustle that comes with this time of the year, so make sure that you show your friends and family how much they mean to you.

At Cobos Insurance, we believe that the holiday season is one of the most wonderful times of the year and we encourage you to go spend quality time with those you love. The Cleveland area has so much to explore and enjoy, and the Christmas season is the best time to start making memories that will last a lifetime.
0 Comments

Insurance Coverage For Your Avon Lake Non-Profit: What You Need to Know

11/14/2019

0 Comments

 
Avon Lake Ohio Non Profit Insurance
Your Avon Lake non-profit plays a huge role in the lives it touches, and the impact it makes is something you should be proud of. The Avon Lake area would not be the same without your organization and the good it does. That’s why it is so important to protect your non-profit from the unexpected disasters that show their faces at the worst times. 

As we all know, there are many variables in life, but when you are prepared for unforeseen circumstances, you are better able to handle such situations when they arise. Since you cannot foresee the future, having the right insurance coverage to protect your non-profit is crucial - and knowing what to look for can be very helpful.

Having the Right Coverage to Protect Your Non-Profit From the Ups and Downs



The fact is, no matter how careful you are, there are always issues that could come up, such as someone getting injured on the non-profit’s property or an allegation of a director’s misconduct. Another thing to keep in mind are the issues that can come up when you recruit volunteers - their actions can reflect on your non-profit, and that can have repercussions. You get the picture. 

Having the right coverage for everything from general liability to excess liability is invaluable for your non-profit. You want to be able to go about your daily operations without constantly wondering if your organization has the liability protection it needs to thrive, both today and in the future. With a non-profit like yours, you want protection that can help you weather the ups and downs that come your organization’s way. While you cannot prevent issues from arising, you can ensure that you are ready to deal with them and move forward with your non-profit’s day-to-day workings. There can be a great peace of mind that comes with knowing that your organization is built to last, and having the right insurance protection is a key part of being prepared.

So what other facets do you need in your policy to properly safeguard your Avon Lake non-profit? For one, having the right auto insurance coverage for your organization’s cars is also a crucial part of protecting your non-profit. You need to have the right coverage to deal with any auto issues that might come up, and should a situation arise, you will be glad that you were prepared. You also need good coverage to protect your directors and officers and your organization's name. For example, with such responsibility, sometimes unpleasant issues can come up with conflicts of interest, and you may need to utilize your insurance coverage to protect the non-profit from scenarios along those lines. Professional liability coverage is another important aspect of safeguarding your non-profit in Avon Lake. Having coverage to help you handle a professional liability situation can save you a lot of stress should something like that come up. 

Thinking about what could go wrong can be disheartening, but when you have the insurance protection you need, you can deal with issues and come back stronger. While you cannot control the actions of others or ensure that an accident never takes place on the organization’s property, you can take steps to insure your Avon Lake non-profit so that it is set to withstand whatever comes.

How Cobos Insurance Can Meet Your Coverage Needs 

With something as important as your non-profit, you want to have the insurance coverage that can help you safeguard your non-profit for years to come. Fortunately, you don’t have to find the best fit on your own. When you have an independent insurance agent, you have someone who can help you navigate the sometimes confusing world of insurance, someone who has your interests in mind. Here at Cobos Insurance, we are able to help you with your individual needs so that you can have the best coverage fit for your Avon Lake non-profit organization. You should not have to settle for coverage that doesn’t give you the protection you need when you have a policy that can!

Here is the bottom line: you have poured so much effort into your Avon Lake non-profit, and you deserve to have the help you need to find the right insurance coverage to take care of it. 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 safeguard your Avon Lake non-profit the way it deserves.
0 Comments

Vision Insurance in Cleveland, Ohio: Having an Insurance Package That Meets Your Needs

11/7/2019

0 Comments

 
Vision Insurance in Cleveland, Ohio: Having an Insurance Package That Meets Your Needs
Your physical well being is a precious thing, something that you don’t always appreciate until an issue surfaces. For example, your vision should not be something you take for granted. Having the health coverage you need to protect your vision for years down the road is important, as neglecting any aspect of your health can have unfortunate consequences down the road. Getting your vision checked is a way of catching diseases and other issues that otherwise might go unnoticed. When you take proactive steps to take care of your vision as well as your entire being, you can embrace each day as it comes and enjoy the variety without constantly worrying about what might happen to you in the future. 

If you are searching for an insurance package that properly safeguards your health, your car, your home, and offers you life insurance coverage you need, you may feel daunted by the task at hand. The good news is, you don’t have to figure this out alone. Talk with your Cobos insurance agent about the coverages you need to protect your lifestyle from the unexpected. You can get an insurance package that includes the insurance coverage you need for the various aspects of your life - including your vision!

Safeguarding Every Aspect of Your Life In Cleveland, Ohio

Obviously, your health should be a top priority. It may have been your vision that made you think about protecting the different aspects of your health, but the truth is, your entire body deserves to have the specialized care it requires. Having good dental coverage is also an important part of your overall health, so that is not something to push onto the backburner either. You don’t want to have to compromise your well being because of the expense involved, so having the coverage to help you cover those costs can make a big difference for your health.

Home insurance is invaluable when it comes to protecting your life in Cleveland. Not having the right coverage for your home can be detrimental should something come up such as damage or vandalism, and you never want to have to deal with such a situation unprepared. When you have the right insurance coverage for your Cleveland home included in your insurance package, you can rest a little easier knowing that you have protected your home well. 

When you have the right auto insurance for your car in Cleveland, you can have the means to protect your car and your mobility. Car accidents are more common than any of us want to imagine, so having great car insurance coverage is invaluable. In addition, having protection from theft and damage wreaked by nature is something that can greatly benefit you and your vehicle. 

Since you have no way of knowing what tomorrow will bring, life insurance is something that should not be postponed. Having the right life insurance coverage is a way for you to look out for your loved ones even after you are gone. While you cannot ensure that you can physically be there years down the road, you can make sure that your family is taken care of in the event that something happens to you. 

There are many facets that make up your life as a whole, and you know that each aspect needs to be taken care of. When you have the insurance coverage to safeguard everything from your eyes to your home, you are ensuring that you can make the most of every day you are given. Should something come up, you will be glad that you didn’t wait for trouble to find you. 

Insurance Protection That Fits Your Life In Cleveland, Ohio

The fact is, life has many moving parts and sometimes it can feel so messy - but that doesn’t mean that you are alone. Here at Cobos Insurance, we understand how stressful it can be to find a package that meets your unique needs, and we are here to help you get the insurance protection that can offer you the peace of mind 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 and we can help you search for the best package for your situation, one that can cover everything from your physical eyes to your vision for protecting your future.
0 Comments

Having the Right Home Insurance Policy in Avon Lake, Ohio

11/1/2019

0 Comments

 
Picture
Your life in Avon Lake is beautiful. Having the right Ohio home insurance policy to protect the place you live is a crucial facet of taking good care of the home you love, and you deserve a policy that not only meets your needs but also takes your home’s unique features into consideration. You and your home should have the coverage that suits your particular needs and you shouldn't have to worry about whether or not you have effective coverage.

Your home in Avon Lake is your sanctuary - the place where you relax and spend quality time with those you love. It’s your base of operations, and it deserves to have the insurance policy that can protect it from the catastrophes that come along even though we take pains to prevent them from happening. Just as you need the right car insurance policy to protect your car, you need the home insurance coverage that fits your home and your situation. 

Coverage That Can Help You Safeguard Your Home 

Protecting your home in Avon Lake doesn’t have to be a daunting task when you know what to look for in a good Ohio insurance policy. For starters, having the right coverage for fire and smoke damage is crucial. Fire damage, of course, can destroy not only your home but your belongings, too. Having coverage to help you take care of the damage that fire can wreak on your property is something you cannot do without. While every homeowner dreads the thought of a house fire, something that you might not have given much consideration to is smoke damage. Smoke damage can ruin parts of your home and your personal property, so having a home insurance policy that helps you deal with damage brought on by smoke is important. Coverage for lightning, windstorms, hail, and other nature-caused damage is another important part of safeguarding your home in Avon Lake, Ohio. While you cannot prevent nature from doing its worst, you can be prepared to deal with the aftermath promptly and efficiently. 

The right coverage for vandalism and theft is something that you cannot push onto the backburner. The thing is, you cannot know when vandalism or theft might come up, and you don't want to be caught off guard by an unexpected issue. Theft can cost you thousands of dollars when you don't have the right Ohio insurance coverage to help you recover from such a situation - and since vandalism can range from a light annoyance to an extensive amount of damage, you want to have the insurance protection that has your back. 

If your home has specific needs you want to address in your insurance policy, you can add on coverage to fit your situation. For example, your Avon Lake home may need water and sewer back up coverage, which covers water seeping up from sewers and drains into your home. If your home is vulnerable to mold and fungi, you can have insurance coverage to help you deal with removing growth from contaminated areas and even covering testing for wet or dry rot. Another facet you can add on is coverage for identity theft, which covers credit card theft and the use of your personal information. You never want to be blindsided by misfortune when you can instead be ready to handle it and move forward.

Protecting Your Avon Lake Home the Way It Deserves

Don't wait to find the right policy for your home! You never know when you'll need a helping hand, so having the right Avon Lake home insurance policy is invaluable not only for your security but also your peace of mind. While no one can prevent mishaps from happening, you can take steps to safeguard yourself and your home so that you can thrive no matter what comes.

At Cobos Insurance, we understand that no two situations are the same, and we would love to help you protect the Avon Lake home you cherish so much. 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 we can help you find the Ohio home insurance policy that meets your home’s specific needs. Now is the time to protect your home so that you can enjoy it for years to come!
0 Comments

The Best Haunted Houses in Cleveland!

10/26/2019

0 Comments

 
Picture
Cleveland area Haunted Houses 
​

The cool autumn weather is upon us and the leaves are just beginning to change colors, of course that means the haunted houses in Cleveland are officially open for business! We're sure many of you can remember the first time you were allowed to stay up late and watch a scary movie or maybe your parents took you out to a haunted house or corn maze and you experienced that frightened feeling for the first time. Some of you never wanted to experience that scare again and some of you were probably hooked on that scared feeling, either way most people want their kids to experience these things as a family, and what better way than one of the Cleveland area haunted houses! The Cobos Insurance Center blog is your go to destination for seasonal attractions and reviews, so naturally we have compiled a list of the best haunted houses in the Cleveland area, but before we get to the list, lets take a look at how the typical fall haunted house in America came to be. 

There are over 1,200 haunted houses across the United States, so our list of haunted houses in Cleveland is just a small sampling of the haunted attractions around our country. Believe it or not, haunted houses are not a recently developed tourist attraction, but we can actually date the spooky scare tactics all the way back to the ancient Egyptians. The Egyptians used scare tactics like moving walls, trap doors, hidden compartments, mazes, and even snakes and spiders to ward off would be tomb raiders. Although they didn't charge admission to the pyramids, many of these scare tactics are still used today in the haunted houses we frequent. 

Of course no haunted house would be complete without a few jack-o-lanterns or carved pumpkins around. The carved pumpkin itself was actually a custom brought over from Celtic people who were surprised to see a lack of turnips to harvest during fall in America. The Celtic people used to carve faces in turnips and hang them above their doors to ward off evil spirits around All Hollows Eve. When they got to America and found the lack of turnips, they began to use pumpkins to keep their ritual going. We're guessing that they quickly found out that pumpkins were much easier to carve, since they never went back to the turnips of yesteryear. 

Looking for a kid friendly alternative?

Be sure to check out the Carlisle Reservation, a part of the Lorain County Metro Parks, Halloween Fair.  This destination is a Cobos Insurance favorite since we have children and grandchildren that aren't yet ready to brave the full on scary haunted houses that Cleveland has to offer. The Carlisle Reservation offers a spooky trail that is also available to tour during daylight hours when it is much more visible and easy to navigate with young children. They also offer little green choo choo and wagon pulled tractor rides, free entertainment, costume contests, Midway games (Squirt the Duck, Ring around the Pumpkin, Monster Toss, Match the Duck, Ladder Ball, Let’s Fish, Witches Basketball, Ring Toss, Pick a Sucker, Bean Bag Toss), Night owl corn maze, spider egg hunts, a splash-o-ween event, spooky nature hunt, and a trick or treat scavenger hunt. If you're looking for more kid friendly options for fall destinations, be sure to check out our article on Fall Destinations in the Cleveland area! When the kids are ready to brave a haunted house, check out our list below...

The Best Haunted Houses in Cleveland

Ok, here it is, the list you have been waiting for! We have to give credit to OhioHauntedHouses.com which is a great resource to find any haunted house in Ohio, as well as in depth reviews and ratings. 

Carnival of Horrors at Blossom Music Center, Cuyahoga Falls
Rockin R Ranch's Old West Pumpkin Fest, Columbia Station
Fortress of Fear Screampark, Garrettsville
The Ohio Gorematory, Mesopotamia
Nightmare in the Wilderness, Lodi
Spooky Ranch, Columbia Station
Hauntville, Elyria

Let us know what your favorites are, comment below!
0 Comments

Why You Need an Independent Insurance Agent in Cleveland, Ohio

10/24/2019

0 Comments

 
Why You Need an Independent Insurance Agent in Cleveland, Ohio
When it comes to finding the right insurance policies for everything ranging from your home to your car to even your health, you want to make sure that you have the help you need so you can make the most informed choices. When you have an independent insurance agent on your side, helping you navigate the ins and outs of Cleveland insurance, you are better equipped to find the coverage that fits your individual needs. 

An independent insurance agent can help you as an individual, putting your needs in the forefront. While a captive agent can typically only offer you coverage from one insurance provider, an agent from an independent agency can help you find the best fit for you. For example, the health insurance protection that you need may be different than the coverage your neighbor needs. You are a unique person, and you deserve to be treated as one. 

Having An Independent Agent Who Understands Your Insurance Needs

There are many benefits to having an independent insurance agent. An independent agent has the ability to advise you with your specific needs in mind. Your situation is not like anyone else’s! To an independent agent, you are more than just a number - and that can make a huge difference for your insurance experience. Another reason it is so important to have an independent insurance agent is your agent can be there for you when you need help. You can talk to you agent when you have any questions - or even concerns - about your coverage and he or she can help you through any issues that come up. Having someone who has your back and insurance expertise can greatly benefit you. 

A good thing to keep in mind is you can have all your insurance needs taken care of when you go through an independent agent. Who wants to have to search all over the place for the right insurance policy for the different areas of their life? No one! An independent agent can help you protect every aspect of your life. An independent agent can also offer you choices when it comes to choosing the right policy for your situation. You should not have to have cookie-cutter coverage when you can have the right coverage for your home, your car, your health, and everything in between. 

Your insurance policy should be able to offer you some peace of mind. You should not have to wonder if you have the right tools to take care of yourself, your family, and your property, and when you have an independent insurance agent, you can have the assistance you need in order to protect your lifestyle. 
There are plenty of good insurance policies out there, but why should you have to figure out which ones fit your particular needs on your own? A Cleveland agent from an independent agency is close to home and understands your needs and wants in a way that someone from the other side of the country could never understand. Without someone with expertise and experience in the insurance world, it can be a confusing and frustrating process - but when you have an independent agent on your side, you can have someone who can offer you clarity and knowhow. You should never have to feel like you are alone when it comes to protecting what you hold dear, and having an agent close to home can be a game-changer. 

The Insurance Coverage That Fits You In Cleveland, Ohio

Here at Cobos Insurance, we know you need the coverage that can properly protect you and what matters to you - and we know that you deserve that coverage. Not settling for less than an independent insurance agent who can help you find the right insurance coverage is not only beneficial - it can also save you a lot of headaches down the road. 

Cobos Insurance has served the Cleveland area for years, and our independent agents would love to help you find the insurance policies that best fit your unique situation. 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 insurance coverage you need for every area of your life in Cleveland, Ohio!

0 Comments

Insuring Your Lake Home In Avon Lake, Ohio

10/17/2019

0 Comments

 
Insuring Your Lake Home In Avon Lake, Ohio
Your lake home is a place you go to to make memories and to enjoy the great outdoors with your loved ones. You may have had your lake home for years or only acquired it recently, but you probably can’t imagine life without your lake house now. Since you want to make sure that you can enjoy it for many years to come, it is important that you have an Avon Lake insurance policy that fits your needs, rather than gives you cookie-cutter coverage. After all, you want to be prepared for whatever comes your way in the future, and making sure you have the right coverage to protect your lake home in Avon Lake is crucial. 

Having the home insurance policy that can take care of your lake home’s needs is an invaluable asset when it comes to protecting your lake home. Whether you are enjoying the lakefront, wading in the water, or maybe taking your boat out for a spin, you love the freedom and comfort that being at your lake house provides you with, and you know that having anything less than the right protection is not an option for your lake home. 

Protecting Your Lake Home From the Unexpected

Unfortunately, there are many issues that can arise, seemingly out of the blue at times. The good news is, insuring your lake home with the right insurance coverage can help you deal with whatever issues do come up. Your lake home may be your sanctuary, but that doesn’t mean that vandalism and theft cannot occur on the premises. Having the right Avon lake home insurance to help you take care of such issues should they arise is a vital part of taking care of your lake home. 

Having the right coverage to deal with issues like fire and smoke damage is undeniably important. It takes fire no time at all to destroy your property, and smoke damage can ruin your belongings to the point that they have to be replaced. The loss can be very costly for you when you don’t have the insurance protection that can properly safeguard you from having to deal with such loss on your own. Another thing to keep in mind is that having coverage for the effects of damage caused by lightning, windstorm, and other nature-caused issues is important. Nature can be fierce and unforgiving, and being so close to the water can open up doors for extensive water damage and other catastrophes. It is good to know what you might be up against.

Speaking of water issues, you might want to add on coverage to help deal with damage caused by plumbing and sewer issues. Plumbing and sewer back up issues are never a joy to deal with, but adding coverage that aids you in handling the situation can be immensely helpful.  Coverage for issues involving mold and fungi can also be a game-changer should you find yourself facing that scenario. Removing mold or fungi from areas that have been contaminated can be an ordeal, and you don’t want to find yourself having to navigate dealing with mold or fungi without the right Avon Lake insurance coverage.

Your lake home is unique and you want to have coverage that fits your situation - after all, your needs may not be the same as your neighbor’s needs. Everyone is different and there is every reason to make sure that your lake home is properly safeguarded for years to come. When you work with an insurance agent who takes your needs into consideration, you are able to get the help you need in order to find the insurance protection that can help give you the peace of mind you long for. 

Finding the Insurance Policy That Fits Your Lake Home’s Needs

Here at Cobos Insurance, we know that your lake home in Avon Lake is an important part of your life and that you deserve to have the insurance policy that reflects your individual needs. 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 we can get started on safeguarding the lake home you love in Avon Lake, Ohio.
0 Comments

Apple Picking in Cleveland Ohio

10/15/2019

0 Comments

 
One of our favorite fall festivities is packing up the kids on a cool autumn morning and heading out to one of our favorite apple orchards in the Cleveland Ohio area. (If you need some tips on how to keep your kids entertained in the car on the way to the orchard, click here to check out our article!) We are a family run insurance agency that loves to pass along little tips and tricks to help make your family life a little more adventurous than just watching a Saturday night movie with the family. If you’ve ever been in our office you know we like to have fun, and if you haven’t had the chance to stop by, you should!  
Our Favorite Spot
We have definitely done some apple picking in the Cleveland area ourselves, and we’ve had the chance to check out some of these orchards that we’re about to share with you. Having said that, one of our favorites is Miller’s Apple Hill. (www.millerapplehill.com) Miller’s is an affordable place to take your family apple picking in the Cleveland area, and they also have several great fall theme photo taking opportunities.   If you get a chance to stop by, tell them Cobos Insurance sent you and be sure to check out their unique gift shop!
“Apple Hill is a quaint farmers market located in Amherst, Ohio which became part of the Miller family tradition in 1986 to expand the retail opportunities for Miller Orchards. Since that time, Apple Hill has become much more than a farm market where fruit and vegetables are sold. The first expansion was completed in 1994.  Garage doors were replaced with permanent walls, windows, and doors. Out with the pot-belly stove and in with an actual furnace which meant Apple Hill could remain open year round and begin carrying bulk food. The business grew and in 1996, Apple Hill expanded again, adding on storage and retail space allowing an expanded inventory.” 
Apple Orchards in Cleveland
·         Brant’s Apple Orchard, Ashtabula
·         Kiray’s Orchard, Ashtabula
·         Smith’s Fruit Farm, Geneva
·         Heavenly Hill Farm, North Royalton
·         Royalton Farms, North Royalton
·         Eddy Fruit Farm, Chesterland
·         Patterson Fruit Farm, Chesterland
·         Sage’s Apples, Chardon
·         Dodd’s Hillcrest Orchards, Amherst
·         Grobe Fruit Farm, Elyria
·         McDowell Orchards, Amherst
·         Miller Orchards, Amherst
·         Spiegelberg Orchard, Lorain
·         Geig’s Orchard, Seville
·         Mapleside Farms, Brunswick
·         The Apple Cabin, Lodi
Why Apples?
Of course apples are fun to pick off of a tree and also come in handy when your child has a loose tooth, but what are some other reasons to reach for an apple? Apples are fat free, sodium and salt free, a great source of fiber, and also cholesterol free. Apples are also a great source of antioxidants and the mineral boron which can help strengthen bones. They can also help you maintain healthy blood sugar levels due to the combination of fiber and fructose. In addition to being good for you, apples also contain natural sugar so they can even give you a quick energy boost. So when you're apple picking in Cleveland, remember you're picking delicious and nutritious fruit! 

Make your own Caramel Apple Cider!
We love taking our kids out to local apple orchards, but we really love to make our own hot apple cider when we get home! So, what does it take to make your very own home made caramel apple cider? Lets start with the ingredients you will need to get started, you'll need to go down to your favorite local Cleveland farmers market or super market and pick up; 5-10 apples (either red or green, your choice), 1/3 cup of caramel sauce, 1/3 cup of brown sugar, 8 cups of water, 1/4 teaspoon of allspice, 1 whole clove, 1/2 teaspoon of ground nutmeg, 2 cinnamon sticks, and 1 whole orange. Next you will need to get your slow cooker out and start prepping your apples and orange. You will need to cut your apples into quarters and you can actually just throw the entire orange in the slow cooker with the apples. You will want to add the 8 cups of water right after you put the apples and orange in. Next, take all of the other ingredients that we listed (except for the brown sugar and caramel sauce) and throw them in the slow cooker with the apples and orange! You should stir everything up to make sure it is spread throughout the mixture. Set your timer for 6-8 hours and find something else to do, otherwise you will be sitting there watching your slow cooker for way too long! 

Once you have let your cider cook for 6-8 hours (and hopefully have gotten something else done in that time), you will want to use a strainer to strain the cider into heat proof pitcher. Now to get that sweet taste, stir in the brown sugar and caramel sauce until it all dissolves. Of course the best way to serve your home made Cleveland caramel apple cider is warm with whipped cream on top! You can even throw in a cinnamon stick to jazz it up a bit. Now that you are an expert at making home made apple cider, you may be thinking to yourself that you could do this full time, and why not? If you think that you could or would want to start your own home based business, be sure to click this sentence and check out our article on insuring your home based business. 

0 Comments
<<Previous
    Get A Quote Today!

    Categories

    All
    Business
    Fun
    Non Profit
    Non-Profit
    Personal

    Archives

    November 2019
    October 2019
    September 2019
    August 2019
    July 2019
    June 2019
    May 2019
    April 2019
    March 2019
    February 2019
    January 2019
    December 2018
    November 2018
    October 2018
    September 2018
    August 2018

    RSS Feed

    View my profile on LinkedIn

About

Meet Our Team

COVERAGE

Auto
Home
Business
Life
Non-Profit
​
Renters
Boat
Motorcycle

QUOTE

Contact

BLoG

Contact Us: 440-324-3732
© COPYRIGHT 2018. ALL RIGHTS RESERVED.

  • Home
  • Our Story
    • Meet Our Team
  • Coverage
    • Personal Insurance Products >
      • Auto Insurance
      • Home Insurance >
        • Renters Insurance
        • Vacant House
        • Mobile Home Insurance
      • Boat Insurance
      • Motorcycle Insurance
      • Recreational Vehicle Insurance
    • Business Insurance Products >
      • Food Truck
      • Non-Profit Insurance >
        • Social Services
        • Church Insurance
        • Directors and Officers
    • Life Insurance Products
  • Contact Us
  • Blog