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

Northeast Ohio Home Insurance That Fits Your Situation: What You Need to Know

2/24/2021

0 Comments

 
Northeast Ohio Home Insurance That Fits Your Situation: What You Need to Know
Home is where you do life. You have meals there, you rest there, you spend time with family and friends - you may even work from home. Since your home plays an irreplaceable role in your daily life, you want to have the Ohio insurance coverage that meets your needs so that you can enjoy your home without unnecessary stress. 

A key aspect of safeguarding your home and ensuring that it is well-protected is having a good home insurance policy in place. There is no reason that you should allow your home to have insufficient insurance protection backing it, and you want to be able to handle any issues that come up down the road. 

​

Insurance Protection That Effectively Safeguards Your Ohio Home 
​

You cannot allow mishaps and disasters to catch you off guard when it comes to your Northeast Ohio home. Repairs can be costly and extensive, but when you have the right insurance coverage, the burden is not on your shoulders alone. Protecting your home effectively is, understandably, not something you take lightly, and understanding what the right protection can do for you can be highly beneficial. Here's what you need to know about safeguarding your home with good insurance coverage:

  • Fire damage is a devastating thing, and being prepared for potential fire wreaking havoc on your home is a necessity. As a responsible homeowner, you want to ensure that you are not caught unawares by a house fire. Smoke damage can be just as horrible because smoke can ruin your belongings and your home's interior. 

  • Lightning, windstorms, hail, and other nature-caused damages can be catastrophic, so make sure that you are armed with ample coverage to help you repair such costly issues.  Nature can be volatile; a windstorm can strip your roof, lightning can strike and cause a tree to fall on to your home, and heavy hail can damage your home's exterior significantly. The fact is, you simply cannot know when nature will strike, so having the means to take care of the unforeseen is essential.

  • Good vandalism and theft coverage can make a huge difference for you as a homeowner. No one wants to have to deal with theft issues, but being prepared for it is an enormous benefit for you and your family. Being ready to deal with vandalism is also key because regardless of the neighborhood you live in, vandalism can occur, and you want to be able to handle such a situation and move forward.

If needed, you can add coverages onto your policy so that your home has the right insurance fit for its needs: 

  • Water and sewer back up can cause nasty issues, so if your Northeast Ohio home is at risk for that type of water damage, this is a coverage to consider adding. Mold and fungi can be detrimental to a home as well, and if you face a mold and fungi issue, you will be glad that you put insurance protection in place. You can also get coverage for wet and dry rot, which can end up saving you a lot of trouble and saving your home a lot of damage. Identity theft coverage is another protection you can get, which protects you from identity thieves fraudulently using your personal information. 

 Just like every home, every homeowner is unique and you deserve to have the insurance protection in Northeast Ohio that suits your needs and puts your mind at ease. While you cannot prevent ups and downs from coming your way you can ensure that your home is ready for whatever the future brings.

​

Finding the Best Protection For Your Ohio Home 
​

While it can be an overwhelming task to find the right coverage on your own, your agent can help you find the protection you deserve. Talk with your insurance agent about your unique home's needs and don't hesitate to ask any questions you may have about safeguarding your home.  

At Cobos Insurance, we believe that your home is far too valuable to have anything less than the best coverage for your situation. 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 best policy for your home and your home's needs. ​
0 Comments

Finding the Best Insurance Policy For Your Church In Cleveland, Ohio

2/17/2021

0 Comments

 
Cleveland Church Insurance
As a non-profit organization, your Cleveland church needs to have a good insurance policy to withstand the ups and downs that come with living in the world today. You don’t want to be caught unawares when an issue comes knocking on your church’s door, and being armed against the unexpected is a huge benefit. 

Here’s the thing: your church is an incredibly important part of your neighborhood and it is a source of comfort and peace to those who are part of it. The outreach that your church does in your area has an impact that goes beyond your building’s walls, which is why effectively protecting it is not something that can be put off. 

​

How the Right Insurance Policy Can Safeguard Your Church
​

It is impossible to avoid facing a mishap in one form or the other, and unfortunately, those issues usually arise at the least convenient times. While you cannot prevent some disasters and catastrophes from coming up, you can be armed and ready to take them head-on. 

  • Having the right insurance coverage means that your church can be prepared for the unexpected, and it can make a huge difference for everyone involved. You can ensure that your church is prepared for ups and downs but you cannot foresee every eventuality. You can, however, have the insurance policy in place that can help your church land on its feet. 

  • Liability coverage is an invaluable part of taking care of your Ohio church. Having the right liability coverage to help you manage issues ranging from injury liability to the risks that come with having volunteers is a tremendous benefit. Since accidents happen and mishaps occur when you don’t expect them to, the church cannot afford to be caught off guard by a liability situation.

  • As unpleasant as it is to think about, church property can sustain significant damage. Coverage for church property can save the church a lot of trouble and expense should something happen. You can't afford to put the good work the church does on a long-term hold because of a damaged building, and it is far better to be prepared for potential property damage than to be surprised by such a situation.

  • Many churches have vehicles for transporting individuals to services and group events.  That’s why church auto insurance is an important facet of Cleveland church insurance coverage - you want to be able to deal with any issues that arise down the road. While no one wants to have to face auto issues (especially if it involves a non-profit organization like your church), it can make dealing with such situations less of a hassle. 

  • Directors and officers coverage plays an important role in protecting your church’s reputation and wellbeing. Your directors and officers are great individuals, but even they could face an accusation of misconduct. If such a circumstance does occur, you want to be able to take measures to safeguard your church and everyone involved. 

Don’t wait for serious damage or a legal issue to surface to consider the crucial importance of having ample insurance protection. We want you to be able to handle any issues that come your way, and having the best policy for your situation is essential. A church is a place of worship and a place of comfort in trying times, which is why it is important to safeguard the church in good times and bad. 

​

Finding the Coverage That Fits Your Cleveland Church 
​

Finding the coverage that fits your Cleveland church’s needs is beneficial and a vital aspect of stewarding your church. Your Ohio insurance agent can help you choose the appropriate insurance policy for your needs and answer any questions you may have about your church’s unique situation. We care about your church’s wellbeing and we believe that you should have the coverage that protects you from the unpredictable, and you don’t have to navigate finding the right policy on your own. 

Your congregation deserves nothing less than the coverage that sets your church up for years of service. Here at Cobos Insurance, we know that your church touches many lives and makes a difference in your neighborhood and we believe you deserve the best protection for your situation. Call us at our Avon Lake office at 440-933-5223 or at our Elyria office at 440-324-3732; contact us and we can help you find the best church insurance policy for your needs in Cleveland, Ohio. 

​
0 Comments

Five Fun Valentine’s Day Ideas For Northeast Ohio Families

2/10/2021

0 Comments

 
Five Fun Valentine’s Day Ideas For Northeast Ohio Families
Valentine’s Day is, of course, about love. It is not only for romantic love; it is also for celebrating the love you have for your family and friends, and making them feel special is well worth the time and energy. In the busyness of life, it can be easy to put celebrating on the back burner, but a little bit of effort can make this Valentine's Day a fun one, one that you look back with fondness for years to come. After all, it's the little things that will be remembered years down the road - the little ways you showed them you love them. 

With a holiday that creeps up as fast as Valentine's Day, it can feel like a frantic race to find fun things to do with your family to celebrate the occasion last minute. That's why we have taken it upon ourselves to bring you five fun ideas to help you make this Valentine’s Day one that makes your family feel treasured. You are sure to find an idea or two (or five) to make the day special in your household, so without further ado, let's get the creative juices flowing.
​

Five Fun Ideas to Celebrate Valentine’s Day With Your Loved Ones
​

  • Make Valentine’s Day cards together. This is an oldie but a goodie. There is nothing quite like a homemade Valentine, and friends and family will absolutely love receiving the homemade cards from you and your kids.  You can go the traditional route, with construction paper and glitter and maybe lace, or you can go the digital route and have your kids design cards on a drawing app and then print them out and mail them.  It really is all personal preference - your recipients will be delighted with your family's own personal flair. 

  • Make some festive treats together. Valentine's Day cookies or a parfait or a trifle is a delectable way to enjoy the day, and any time you can have homemade treats is a reason to celebrate. Try some new recipes to find a new favorite or bake something tried and true - there's no downside here. 

  • Take the family out to dinner. A dinner as a family is a fun way to show your loved ones undivided attention, and it gives the day an extra special touch. If you don't want to brave the crowds on such a busy night, get some favorite take out and have a fun dinner at home.  It doesn't matter so much where you go or what take out you choose, the important part is simply making the evening special for everyone.

  • Have a video call with extended family. Grandparents and aunts and uncles will feel so loved if you are able to take the time to video call them with your whole household. One of the most important things we all learned from the craziness of 2020 is that video calls can bring us closer together even when we are apart. 

  • Do something nice for a friend or neighbor as a whole family. Shovel the thick Northeast Ohio snow from their driveway or leave them a cheerful surprise on their porch, like a favorite treat or an encouraging card. Spreading joy is a worthy way to brighten someone else's Valentine’s Day. This is an especially nice thing to do for an elderly neighbor, since he or she probably hasn't been able to do much in the last year. 

  • Bonus: Decorate the house! Just because it isn't Christmas doesn't mean you can't have themed decorations. This is especially fun if you have younger kids - they can make paper hearts or use red, white, and pink streamers to add a festive touch to your home. 

So there you have it, fun ways to make the holiday more than just a day to splurge on candy.  The time you spend together with your loved ones will become the memories that you cherish all your life. We could all use a little more intentionality, and Valentine's Day is a great place to start.

Making This Valentine’s Day One to Remember
​

However you celebrate, remember to show your family that they are important and precious. Here at Cobos Insurance, we believe that while every day is a good day to show your loved ones how much you care, Valentine's Day is the perfect opportunity to go the extra mile and spend quality time with the ones you love most.
0 Comments

Insuring Your Elyria Vehicle With the Right Auto Insurance Policy For Your Needs

2/4/2021

0 Comments

 
Insuring Your Elyria Vehicle With the Right Auto Insurance Policy For Your Needs
Life slows down for no one. Whether you have young kids, a career that never lets up, or a schedule full of social commitments (or all of the above), your vehicle helps you get from point A to point B...and back again. Having an Elyria car insurance policy that can help you protect your means of transportation is incredibly important because should something happen to your vehicle, you want to be able to bounce back from the issue. 

Protection that takes care of your specific car insurance needs is invaluable for you as an Ohio car owner. It is easy to ignore potential issues when they haven't happened yet - but once you find yourself facing a major (or even minor) car problem, you won't be able to wish it away.  You'll have to face it head on - but fortunately, when you have a good insurance policy, you can tackle the issue and move forward with your day-to-life. ​

Elyria Auto Insurance Coverage That Protects Your Vehicle On the Road Ahead
​

You need to have the protection that can help you deal with those pesky auto issues that can come up at the worst moments, so understanding what excellent coverage can do for you is a must: 

  • Any time you are dealing with something as powerful as a vehicle, property damage is always a possibility. Property damage liability coverage can help you deal with the expenses involved with property damage caused by your car - which is no small benefit, considering how expensive property damage can be. 

  • Collision coverage is important as well, because it covers the damage your car sustains from a collision.  No one wants to think about their vehicle being in an accident, and while it is not an enjoyable thought, it is necessary to properly ensure your vehicle so that it has ample collision coverage at the ready. You don't have to let an accident set you back long-term. 

  • Bodily injury liability coverage offers you protection if the other driver (or his or her passengers) are injured in a collision involving your vehicle. Similarly, medical payment coverage helps cover the costs should you or your passengers sustain injury from an accident. The fact is, medical costs are expensive and no one involved should have to settle for anything less than the care that they need to help recover from an injury - and good Elyria insurance coverage can help you handle those expenses. 

  • Comprehensive coverage helps you deal with situations that arise from theft issues, vandalism, weather wreckage, and storm damage. Not all catastrophes involve accidents - and theft and vandalism involving your vehicle can be very financially draining. Nature can be fickle as well; windstorms and hail, for example, can be costly and unexpected, and the right comprehensive coverage can make a night-and-day difference for you and your family.

  • Uninsured and underinsured motorist coverage has your back should you find yourself in a collision caused by a driver who is uninsured or underinsured.  Hopefully such a situation doesn't come up, but you might be surprised at how many underinsured drivers exist - and ensuring that you have the right insurance coverage in place is vital. Don't allow someone else's mistakes to cost you when you can have the policy that can help you handle that type of issue.

While everyone faces ups and downs with their vehicles, you don't have to face the future unprepared. Don't settle for less than the right policy for your situation - peace of mind is no small thing, and in the world we live in, you deserve to have a plan in place.

​

Safeguarding Your Vehicle With the Best Elyria Coverage For Your Situation
​

Be sure to talk with your insurance agent about any questions you may have about finding your car the coverage it requires.  While life is unpredictable (it always has been and always will be), you need to be ready to tackle any challenges that come your vehicle's way on the road ahead. When you find yourself dealing with a collision, theft, or accident, you will be glad that you had the foresight to ensure your car with ample Ohio insurance coverage.

At Cobos Insurance, we understand that your life is full, and your vehicle plays a vital role in your everyday comings and goings. We believe that the right insurance policy to protect your vehicle is not only beneficial but essential. You can call us at our Elyria office at 440-324-3732 or at our Avon Lake office at 440-933-5223; contact us today so that you can have both the protection you deserve and the coverage your vehicle needs here in Elyria, Ohio.
0 Comments

The Value of Having an Avon Lake Insurance Package With Dental and Vision Coverage

1/29/2021

0 Comments

 
The Value of Having an Avon Lake Insurance Package With Dental and Vision Coverage
Life is unpredictable. If you've learned anything from the past year, it's that.  Making sure that you are set up to withstand the ups and downs that life brings is a necessity and a well rounded insurance package can help you handle whatever comes your way next. 

All too often, we underappreciate our physical health until we experience an issue. Most of us don’t fully value our vision, for example, until we need glasses, nor do we appreciate being able to chew without pain until we have a toothache. Safeguarding your health with good dental and vision protection within a great insurance package is a necessity, not a luxury - and you deserve to be ready for any such challenges that arise. 

There are other aspects of a good insurance package, of course, and having ample coverage at the ready to protect you and your loved ones is no small benefit. Life is far more enjoyable when you don't have to spend all your time wondering what tomorrow will bring and whether or not you are prepared for it. 

​

How a Good Insurance Package Protects Your Well-Being In Avon Lake, Ohio 
​

As we all know, you cannot perfectly predict the future - you can only be ready for it. Having an insurance package that protects your health, your home, and your car, as well as provides life insurance protection to help you safeguard your family. Let's look at some of the essential protections that the right insurance package can offer you:

  • Home insurance is, of course, an invaluable part of protecting yourself in Avon Lake. Your home is your sanctuary, and should you encounter any issues involving the place you call home, you want to have the right insurance protection in place. Better safe than insufficiently protected. 

  • Appropriate auto insurance for your car in Avon Lake is an absolute must, because while you might be the most careful driver in the world, you can still find yourself in a collision or other car-related incident. Don't short yourself by accepting less than the right coverage for your situation and your vehicle. In the long run, it can greatly help you on the road ahead.

  • While we're talking about protecting yourself, let's talk about protecting your family: choosing the right life insurance is a valuable aspect of setting your family up to thrive even if something happens to you. The right life insurance coverage is a protection well worth looking into if you have dependents that rely on your income, and it is a beneficial part of a good insurance package.

Now let's talk about what having the right health benefits means for you:

  • You should not neglect your body when a good insurance policy can help you maintain your overall physical well-being. You are only human; everyone is susceptible to health ups and downs, so being ready for a medical bump can be a game-changer. 

  • Dental coverage is not something you can afford to neglect. Dental expenses can add up (think thousands upon thousands of dollars, if you have a significant issue), and having ample insurance to help you deal with the costs incurred by dental care needs.  

  • Your health is nothing short of precious, and having the medical maintenance you need is essential for when it comes to your vision. Imagine trying to do your daily activities without your updated prescription lenses. Not a fun thought, right? With the right coverage, you can ensure your eyes are well cared for both now and in the future.

You have enough on your plate already - you don't need to add any extra concerns or worries onto your already busy schedule. While there are many unexpected and unpredictable aspects of life, the right insurance package can help you be prepared for all of them so that you can handle what comes your way, protect your property, and maintain your health to the best of your ability. You deserve nothing less.

​

Finding the Insurance Package That Meets Your Needs and Your Situation 
​

Your life and your situation are unique, and you want to be able to take care of yourself and maintain your well being throughout the years. Having an insurance package that helps you accomplish those goals and protect yourself is incredibly important - and while choosing the right coverages can seem overwhelming, your insurance agent is here to help you select the protection that you deserve. 

Here at Cobos Insurance, we know that finding the right insurance package for your unique life is a vital part of setting yourself up for a happy and healthy life, and we would love to help you find the package that fits your situation like a glove. 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 coverage to safeguard your smile, your vision, and your overall well-being in Avon Lake, Ohio.
0 Comments

How to Make Sure Your Cleveland Social Service Non-Profit is Well Protected

1/21/2021

0 Comments

 
Picture
You have poured a lot of work into your social services non-profit. You need to ensure that it is set up to succeed for years down the road - and an invaluable aspect of protecting your non-profit is having the right social service insurance policy. While there are many catastrophes that can arise in a social services organization, having the best coverage for your situation allows you to spend less time worrying about the "what-ifs" and more time furthering your social services organization's goals. 

There are few things less pleasant than thinking about your non-profit organization getting sued or suffering a damaging financial loss, but it is important that you are prepared for such a situation and that you take the appropriate steps to make certain that issues of that magnitude do not catch you off guard. 

Effectively Safeguarding Your Social Services Non-Profit With the Best Policy For Your Needs
​

The fact is, your social services non-profit should be prepared for what the future brings, and you deserve to be informed about what the right protection can do for your organization’s situation.

  • It will not be a surprise to you that liability protection plays a major role in protecting your non-profit from the financial devastation that liability issues can bring. Unfortunately, injuries happen. Damage happens. The thing about the unexpected is it is always that: completely unexpected. That's one of the reasons that having excellent liability coverage is essential - it helps you take care of those situations and move forward. 

  • Coverage for directors and officers is a vital protection for everyone involved. This can cover issues ranging from allegations of misconduct to conflict of interest scenarios, which can have a huge impact on your non-profit. A lot rides on your directors and officers, and you cannot afford to have a situation wreck permanent damage on the organization's reputation and the reputations of others involved.

  • Sadly, theft coverage is a necessity when it comes to protecting your Cleveland non-profit. Even though thinking about theft-related situations is unpleasant, being prepared to handle such issues is absolutely critical. For example, if an employee steals from your non-profit, you want to be able to deal with the situation and recover as quickly as possible, and good theft protection can help you with that. Better to be prepared than to be taken by surprise. 

  • Auto insurance coverage is valuable because social service organizations often have significant vehicle usage. Dealing with vehicle-related accidents or theft issues is never enjoyable, but when an auto problem involves the organization, it is even more of a headache. Don’t allow your Cleveland non profit to suffer because of insufficient auto insurance; if an issue arises, you will be glad that you took the time to put the right insurance policy in place. 

  • If it fits your situation, you can add on umbrella insurance coverage as well. Sometimes a catastrophe that is simply too big for your regular policy comes up, but the good news is, Ohio umbrella insurance coverage can cover the amount between your regular non-profit insurance and the claim. If a rainy day tries to wash out your Cleveland social services non-profit, an umbrella policy could be your saving grace.

From finding volunteers to setting goals, your duties are numerous, and you should not have to waste your valuable time fretting over whether or not sufficient insurance coverage is in place.  Don’t settle for anything less than the coverage that meets your Cleveland social services organization's unique needs - your non-profit helps people and should be able to do so for years to come. 

​

Choosing the Right Protection For Your Cleveland Social Services Organization 
​

Remember that you can talk with your Cobos insurance agent about any questions you may have about properly safeguarding your Ohio social services organization. While you cannot know what the future will bring, you can ensure that you are prepared when the unexpected arises - and your Cobos agent can help you find the best policy for your social services operation. It deserves to be well protected, and making sure that it is ready for anything is one of the best things you can do for your organization. 

Here at Cobos Insurance, we understand that the world would be a dark place without the great work that social services do in our communities, and we want you to have the tools you need in order to make a lasting impact for years in the future. You can call us at our Avon Lake office at 440-933-5223 or our Elyria office at 440-324-3732; contact us at your earliest convenience and we can work with you to find quality coverage that fits your Cleveland non-profit’s situation.

​
0 Comments

Why You Need to Have the Right Protection For Your Ohio Snowmobile

1/14/2021

0 Comments

 
Why You Need to Have the Right Protection For Your Ohio Snowmobile
Having the right insurance protection for your snowmobile is something you cannot put off because there are many variables that are out of your control.  You want to get the most fun out of this winter, but being at risk is not at all a fun scenario. Making sure that you have ample insurance protection enables you to enjoy every moment without the nagging fear of the unknown.

You ensure that you have the best coverage for your car, so why would you not have the right coverage for your snowmobile’s needs? You can get the protection your recreational vehicle deserves and ensure that you can enjoy your snowmobile without constantly fearing the unpleasant surprises that the future may hold. As a responsible snowmobile owner, you want to set yourself up for years of fun and as minimal stress as possible, and finding the right Ohio insurance policy for your needs is an important part of that.

How the Right Insurance Coverage Can Help You Take Care of Your Snowmobile
​

While you cannot prevent every issue from coming up, you can be sure that you are prepared for whatever comes your way.  It is good to know how the right coverage can help you set yourself up for years of recreational fun in the snow:

  • Coverage for liability (including bodily injury and property damage liability) is an absolute must. If you somehow injure someone else with your snowmobile, you need to have the ability to take care of any medical costs that you find yourself responsible for. Another important thing to keep in mind is if you cause property damage, you want to have sufficient insurance coverage in place to help you remedy the damage. 

  • You can get coverage for injuries as well, which is important when you are snowmobiling. Hopefully you don’t have to deal with any injury issues, but you can not just cross your fingers and hope that you never sustain injury. Life comes with risks, but you need to make sure that you are responsible and have a plan - so that if you do get injured, you can take care of it.

  • Collision coverage is important because even though you think of collision issues involving cars or other motor vehicles on the road, collisions can happen with snowmobiles as well. When you find yourself dealing with a collision and the aftermath, you want to have ample insurance protection to help you handle the situation and move forward. The right Ohio insurance coverage can help you deal with those issues and move forward.

  • Comprehensive coverage can help you deal with issues that are not accident-related. For example, if your snowmobile gets stolen, comprehensive coverage has your back. Comprehensive coverage also protects you and your snowmobile from damage caused by weather, which can be very destructive and expensive to fix. Don’t let a bad day take away your winter pastime!

Make sure that you have a good life insurance policy in place as well. There is always a risk when you use recreational vehicles, and your snowmobile is no exception. Your family will appreciate your foresight should anything happen to you prematurely, so make certain you have a good policy in place. You deserve to be able to enjoy your active lifestyle and your loved ones should be able to enjoy protection from the unexpected. 

Finding the Best Protection For Your Snowmobile This Ohio Winter 
​

Having the right coverage for your needs is important, but finding appropriate coverage all by yourself can feel overwhelming. The good news is, when you work with the right Northeast Ohio insurance agency to help you navigate the ins and outs of good insurance protection, your recreational vehicle can be safeguarded effectively and you can enjoy your snowmobile for this winter and beyond. 

At Cobos Insurance, we hope that you enjoy lots of snowy fun this year, and we believe that you deserve to have the best insurance protection in place to protect your Ohio snowmobile. 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 best insurance policy for your snowmobile. Don’t wait for something to come up to find appropriate protection for your situation.

​
0 Comments

Five Ways to Help You Stick to Your New Year’s Goals

1/6/2021

0 Comments

 
Five Ways to Help You Stick to Your New Year’s Goals
After the crazy year we just had, we are all ready for something new and better in 2021. As we all have experienced in years past, as January continues, the motivation to attain lofty goals wears off - and we are left wondering why we made those resolutions in the first place if we weren't going to stick with them.

The fact is, your resolutions are worth keeping. You made them for a reason, didn't you? They either benefit your health or your finances or enhance the time you spend with loved ones, and that is absolutely worth fighting for. The thing is, you can make whatever habits or practices you want to add your life work, you just have to make them a habit. Now, getting to the point where your resolution is a habit and not something you have to force yourself to do is the difficult part, but you survived 2020. You can absolutely win the battle with your New Year's resolutions.

​

Sticking With Your Goals into the New Year
​

You can do this. You can absolutely do this, even if it feels hard and even if you feel like you can't stick with it.  The trick is getting to the point that the new practice or routine becomes a habit - and you just have to stick with it long enough to get to that point.

  • Break your goals into manageable steps. Sometimes we can get off track simply because we try to attain our resolutions all at once. If your goal is to work out every morning before work, maybe you start out with upping your workouts from one a week to three before you go to five days a week.  When you break down your resolution into parts that can be attained sustainably, you are much more likely to be able to keep your resolutions in the long run.

  • Remember that even a little progress is progress. If you have a resolution to drink six big water bottles worth of water a day and you only manage four, have you failed? Of course not!  If you were drinking three before your resolution and you made it to four, that is something to celebrate. Progress is progress and if you regard it as such you will be far more motivated to continue in the pursuit of your goals.

  • Realize that one misstep does not ruin your goals. If you're trying to cut out sugar to the point of only having it once a week - and then you find yourself eating a cookie on a day you resolved to consume no sugar. Does that mean that your resolution is completely ruined and you might as well give up? Obviously not. Everyone makes mistakes, that is just part of being human - and it should not keep you away from getting right back on track to accomplishing your goal.

  • Don’t be hard on yourself. Don’t disregard this as a platitude - this is an incredibly important part of having long-term success.  If you beat yourself up emotionally any time you don't reach the standard you're aiming for, you are not only demoralizing yourself - you are disregarding the fact that you, by simply trying, have gotten closer to your goal.

  • Track your progress as you go.  Record your progress in a way that works for you - whether that means writing it down in a journal or in a doc on your phone, make sure that you do not lose track of how far you have come from your starting point. If you focus on how far you still have to go you can be discouraged. On the flipside, if you look back and see how far you've come, you can be encouraged to go all the way.

Making 2021 the Best Year It Can Be
​

No one can know what a year will bring, both in the world at large and in your own personal life, but you can be certain that you put your best foot forward and strive to be the best person you can be. Your goals are worth attaining, so go out there and reach for that high bar. Believe in yourself. You have done amazing things, and you will continue to do so as long as you press forward. Here at Cobos Insurance, we encourage you to accomplish the resolutions you set for yourself in this fresh new year...and remember to enjoy the little victories. 

​
0 Comments

The Importance of Having the Right Renters Insurance in Northeast Ohio

12/31/2020

0 Comments

 
The Importance of Having the Right Renters Insurance in Northeast Ohio
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. 

​
0 Comments

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

12/23/2020

0 Comments

 
Picture
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. 

​
0 Comments
<<Previous
    Get A Quote Today!

    Categories

    All
    Business
    Fun
    Non Profit
    Non-Profit
    Personal

    Archives

    February 2021
    January 2021
    December 2020
    November 2020
    October 2020
    September 2020
    August 2020
    July 2020
    June 2020
    May 2020
    April 2020
    March 2020
    February 2020
    January 2020
    December 2019
    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
Contact Us: 440-324-3732
41436 Griswold Rd. Elyria, OH 44035
  • 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