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Fun Things to Do With Your Family in Cleveland This Fall

10/16/2020

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Fall is a beautiful season. It offers us so many unique and fun activities and experiences that the other seasons cannot, and fall in Cleveland is a reason to celebrate. Don't let this lovely season pass you by this year - instead, seek out ways to celebrate autumn with those you love and embrace the sweater weather in Northeast Ohio. 

Fall is something that comes every year, and since it is an annual thing, we often take it for granted. Let’s not allow this season to pass us by when we can be intentional about enjoying every day - and if you need some good ideas to jumpstart your fall fun, you’re in luck. We have five great ideas for you to try out this season - use them to springboard your own adventures.

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Five Ways to Help You Enjoy This Cleveland Fall to the Fullest 
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There are so many enjoyable ways to make the most of this season, but it takes intentionality to make this fall one to remember. Here are five great ideas to kickstart your fall fun: 

  • If you enjoy fresh apples and baked apple treats, go apple picking and enjoy some scrumptious Ohio fruit. This is a great activity to do with kids or with friends, and the abundance of delicious fruit you'll go home with at the end of the day.  What is more festive then a fragrant apple pie made with fresh Northeast Ohio apples? Not much, we'll tell you that. Celebrate fall with incredible apples and the enjoyment of picking them yourself - it's an experience like no other. 

  • Have a fall picnic in a Cleveland park. Now, this is something you want to do before it gets too chilly, of course, but a casual picnic in a beautiful Northeast Ohio park is a great opportunity to enjoy the day with friends and family. Dress warmly and either pack your favorite fall foods or get your favorite takeout and head out to your favorite spot. 

  • Harvest season in Ohio is iconic, so don't miss out on enjoying a corn maze. This is such a playful and fun activity, and it is a great way to make a ton of memories and enjoy the fall ambiance. Your loved ones deserve to have quality time with you this fall, and this is another great way to enjoy the autumn.

  • Decorate your house for fall. Many individuals go all out with Christmas decorations, but fall is a great time to add festive touches to your home. Gorgeous reds, vibrant ambers, and earthy brown tones can make your home cozy and help you embrace the outdoor colors of fall indoors. Add some pumpkins and gourds - maybe even a cornucopia - and you are set for the seasons. Another thing to consider is that Thanksgiving is next month! Crazy, right? Focusing on the things we have to be thankful for is so important, especially this time of year. Here is a great bonding activity for the whole household that results in a wonderful decorative piece: get a decorative chalkboard, gather the family, and fill it in with things your family is thankful for. 

  • Try a new fall recipe, one that you haven't tried out before. While you have your annual favorites, it is great to try out new things. You might even find your new favorite fall food! And even if you don't, you'll expand your horizons, which is always a plus. Experiment with a fall coffee drink, an entree, or a munchy snack - you can brighten up your meals with a dash of seasonal spice. 

Bonus: Get your camera out and take some fall photos!  There are many places in our country that don't get to experience fall the way we do. Embrace the beauty that we have here in Northeast Ohio and capture our beautiful colors with your camera so that you can enjoy them all year long. 

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Spending Time With Those You Love This Fall 
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When you look back years from now, you will not think about the things that didn’t really matter; you will think about how much you enjoyed the time you spent with your loved ones. Don’t put off fall festivities to a later time when you can make memories today. 

There is no time like the present, and once today is gone, it isn’t going to come back. Here at Cobos Insurance, we know that spending time together with those we love is a priceless investment, and this fall is the perfect time to show your family and friends how much you value being with them. 

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What You Need to Know About Mobile Home Insurance in Avon Lake

10/7/2020

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What You Need to Know About Mobile Home Insurance in Avon Lake
Your mobile home is an important part of your life, so setting your home up to withstand the unexpected is a necessity. Ohio mobile home insurance is a crucial part of safeguarding your home from the unknown. As a homeowner, you want to be ready for any issues that can come your way, which is why no one can afford to put off finding the best insurance fit for their mobile home. 

Having the right mobile home coverage for your needs is something that you should not have to do without. Your home is too important to you to allow disaster to wreak long-term havoc on your life, so don’t settle for less than the policy that fits your situation. 

What the Right Mobile Home Insurance Policy Can Do For Your Situation

While you don’t have the power to control what the future brings, you do have a say about how prepared you are when those mishaps and disasters strike your home. Having ample protection for your situation can make a huge difference for you and your home.

  • Coverage for fire damage is incredibly vital, so having the best fire protection for your situation is something you should not have to do without. Hopefully you will never have to deal with any fire issues in your mobile home, but if you do, you need to be fully prepared for such situations. 

  • Even though smoke damage doesn’t strike fear into the hearts of homeowners the way that fire damage does, it can be devastating to a home. Your mobile home in Avon Lake should have the smoke damage protection that can help you handle the expenses those situations bring. 

  • Coverage for water damage from plumbing issues can be detrimental to your home, so having excellent coverage for water damage situations is vital. While plumbing issues can have detrimental effects on your home, you don’t have to constantly fear those issues coming up when you have the coverage for those scenarios. 

  • Having the right Avon Lake mobile home insurance means having coverage for hail, lightning, windstorms, and other nature-caused damages. If a tree falls on your mobile home, you need to have the insurance coverage that can help you deal with the aftermath of such a situation. 

  • As a homeowner, vandalism and theft coverage is a valuable part of taking care of your mobile home. No one wants to think that their home might experience vandalism or theft, but understanding that both vandalism and theft can happen to any of us is an import facet of mobile home ownership. 

You can also add on coverage that your specific Avon Lake mobile home needs: 

  • You can add on food spoilage coverage or protection for additional living expenses, which is particularly beneficial when your mobile home is your secondary residence.  As we all know well, unforeseen issues arise - and having the right insurance protection in place can mean the difference between your finances being drained and you having the means to repair and safeguard your home. 

Keeping your home safe is a top priority for you, and you should not have to worry about whether or not you have sufficient protection in place. Your mobile home deserves to have the coverage that meets its means and you deserve the peace of mind that comes with having the right policy in place for your home. 

Safeguarding Your Avon Lake Mobile Home With the Right Coverage 

Just because a home isn’t a four-story mansion doesn’t mean that it doesn’t need the best insurance protection for its unique situation. Talk with your Ohio insurance agent about your mobile home’s insurance needs and the right protection for your future. Your household deserves to be protected from the unexpected, and since you cannot know what the next storm will do to your home, you want the right insurance policy for your home. 

Every situation is unique, and the right policy for your mobile home is well within your reach. Here at Cobos Insurance, we believe that your home is valuable to you, and you should not have less than the best insurance fit for your mobile home’s needs. Call us at our Avon Lake office at 440-933-5223 or at our Elyria office at 440-324-3732; contact us so that we can help you find the right insurance policy for your mobile home in Avon Lake, Ohio. 
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What You Need to Know About Used Car Dealership Coverage in Elyria

9/29/2020

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As a used car dealership owner in Elyria, you want to have the right insurance protection for your needs. Having ample insurance coverage is a must in any Ohio business, and used car dealerships are no different. Your business deserves to be set up to thrive for years down the road - and good used car dealership coverage is a vital part of taking care of your Elyria business. 

When you started or acquired your business, you didn’t plan on spending endless hours worrying about the unknowns that can arise at the worst times. Having the right coverage for your inventory as well as liability situations is invaluable, and being prepared for those unexpected issues is incredibly important and a must for your business. Today is the day to discover the policy that not only meets your needs but can offer you some peace of mind; as Benjamin Franklin said, “Don't put off until tomorrow what you can do today.” Your business deserves to be well-safeguarded both now and in the future. 

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Coverage That Effectively Safeguards Your Elyria Used Car Dealership 
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Knowing what the right insurance coverage can do for your used car dealership is greatly beneficial for you as a business owner. Having ample coverage in place is not only a vital part of taking care of your business, it can help you focus on growing your business’ capacity instead of worrying about the future. 

  • Auto liability coverage is crucial at a used car dealership, to no one’s surprise. Auto liability damage can be extensive and costly, and since liability comes in so many different forms, you need to have sufficient protection for those issues. Excellent garage liability coverage covers liability issues arising from situations involving your business’ garage. Maintenance disasters can be devastating, so having the right garage liability protection can make a night-and-day difference for your used car dealership and everyone involved in your business. 

  • Excellent false pretense coverage safeguards you from scamming situations. What are scamming situations? Good question. If someone uses another name to test drive a vehicle and then proceeds to drive off with it, this covers those steep losses. Optional inventory coverage covers damage or loss caused by outside sources, and that is invaluable because you cannot control outside entities. 

  • Having the right dealers open lot coverage gives you physical damage coverage should an accident with one of your business’ vehicles occur. Comprehensive coverage is included in this as well, which takes care of issues dealing with theft, storm damage, and various other losses. 
 
When it comes to your Elyria used car dealership, you should have the insurance coverage that fits your business' situation. Taking the first used car dealership policy that comes your way may seem like the easiest way to protect your business, but it is not the most efficient. You deserve to have the right insurance coverage for your dealership's unique needs, so don't settle for less than the best policy for your specific situation. 

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Finding the Right Policy For Your Business’ Needs 
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Your business plays such a huge role in your life, the lives of your employees, and everyone involved in your used car dealership, which is why having excellent insurance protection is not something you can put off to a future date. Talking with your Ohio insurance agent about the coverage that fits your used car dealership is an important part of taking care of setting up your business for long-term success. Finding the right protection for your business can feel like an overwhelming task on your own, but with your agent by your side you can have the best policy for your business. While you cannot know what the business climate will look like in the future, you can know that you are prepared for whatever comes your way in the future. 
 
Here at Cobos Insurance, we know how important it is for you to have the coverage that meets your car dealership’s situation. You can call us at our Elyria office at 440-324-3732 or our Avon Lake office at 440-933-5223; contact us so that we can help you find the best coverage for your Elyria used car dealership. You deserve the best protection for your needs, so don’t settle for less - it can be a huge benefit for your car dealership and for you as a business owner. 

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Home Insurance Coverage in Cleveland: What You Need to Know Today

9/24/2020

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Home Insurance Coverage in Cleveland: What You Need to Know Today
Your life in Cleveland is full and your home plays an irreplaceable role in your day-to-day activities. Excellent Ohio home insurance is an indispensable part of taking care of your treasured home so you shouldn’t just take the first decent policy that comes your way - you should get the coverage that fits your unique situation. 

You have ample insurance coverage for your car because you know that there are many issues that you cannot control. The same goes for your house; you cannot know what will come up tomorrow, so having ample coverage for your Cleveland home is invaluable. 

What Ample Insurance Protection Does For Your Cleveland Home 
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None of us want to think of negative things that can happen to our homes, but it is important that you do not wake up one day to realize your policy is insufficient. Knowing what protections you need is greatly beneficial for you as a homeowner. 

  • Coverage for fire damage is an incredibly important part of safeguarding your home. You cannot allow a house fire to catch you off guard, which is why having the ample insurance protection for your home is so vital. Fire can devour your home in minutes, and while no one wants to think of such a situation occurring, it is important to have the means to deal with fire damage. 

  • Every homeowner fears fire, but smoke damage coverage is also a valuable coverage that should not be overlooked. Smoke damage can ruin your belongings and your home’s interior, and the costs can be extensive. Don’t allow such issues to become detrimental for you and your household. 

  • Coverage for vandalism and theft is so important because while no one wants to experience vandalism or theft loss, it can happen to anyone. When vandalism or theft knocks on your door, you want to be able to take care of the situation and move forward. 

  • Coverage for nature-caused damage is vital for your Cleveland home as well. Lightning, hail, and windstorms can destroy entire sections of your home, so having the right protection for such disasters is a must. None of us can control the weather, but we can be prepared for any nature-caused damage that arises down the road - and being prepared can make a night-and-day difference for you as a homeowner. 

You can also add on valuable coverages according to your home’s needs. Here are a few important ones to consider: 

  • You deserve to be protected from more than just external catastrophes. Coverage for identity theft may not be something you think of when someone says “home insurance,” but you can add on coverage so that you can be protected should someone use your information fraudulently. You don’t have to be vulnerable to such attacks when you are prepared for them and have the right insurance at the ready. 

  • Water and sewer back up issues can be devastating to your home, so if your home is at risk for significant water damage, you should consider adding this coverage to your policy. Mold and fungi can also do terrible things to your Cleveland home, so this is a valuable protection. Coverage for mold and fungi issues can also help you pay for testing for wet and dry rot, which is no small benefit for your household. 

Your home should have the right insurance coverage to protect it for years down the road, and you deserve the best policy for your needs. Don’t settle for less than the coverage that can help you have the peace of mind you and your family deserve. 

Insurance Coverage That Fits Your Cleveland Home’s Situation 
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You can talk with your Ohio insurance agent about your home’s coverage needs. Your home is not something to trifle with - and having the right insurance coverage to safeguard your beloved home is absolutely crucial. While you cannot prevent every mishap and disaster out there from coming your home’s way, you can be properly insured so that you're ready to deal with the situations that come up in the future.

Here at Cobos Insurance, we know that your home is a key part of your life, and you deserve the best coverage for your needs. Call us at our Avon Lake office at 440-933-5223 or at our Elyria office at 440-324-3732; contact us so that we can help you find the right home insurance coverage for your home in Cleveland, Ohio. 
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Safeguarding Your Cleveland Non-Profit With the Best Coverage For Your Needs

9/15/2020

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Safeguarding Your Cleveland Non-Profit With the Best Coverage For Your Needs
Your Cleveland non-profit makes a huge difference in the lives of many. It has such a positive impact on your area and it should be protected so that it can thrive for years to come. That is why having the right insurance for your Ohio non-profit is not something you can put off for later. 

Regardless of what your non-profit specializes in, you make a big difference in your area of Cleveland. You should not have to wonder if your non-profit will be able to reach others for years down the road, so having the best insurance coverage for your non-profit is important for everyone involved with your organization. Don’t leave things up to chance when you can be prepared for the unexpected and be armed with the right coverage. 

How Good Ohio Non-Profit Insurance Benefits Your Organization
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You know that protecting your non-profit is vital, but you may be asking yourself what good coverage protects your organization from. That's a good question, as it is very beneficial to know how your organization should be protected:

  • A vital part of any Ohio non-profit insurance policy is ample liability coverage. When you have a non-profit as impactful as yours, you are most likely going to face some sort of liability issue. That's not something to live in fear about, but it is very important that you are well-prepared and not caught off guard by such a situation. Mistakes can result in serious issues, so having good protection for general liability, excess liability, and professional liability is truly invaluable. Your Cleveland non-profit is far too important to allow one unfortunate circumstance to tear down what you have built. 

  • Another invaluable facet of Ohio non-profit insurance is auto insurance coverage. You don't want to have anything less than the coverage that meets your needs. When it comes to auto insurance coverage for your Cleveland non-profit, ample coverage is best. Dealing with auto issues can be headache-inducing and while good auto coverage cannot erase the stress, it can certainly make those types of situations easier. You don’t want an accident involving the organization to set your non-profit back in the long run, so having the right insurance at the ready is indispensable. 

  • Your non-profit has amazing directors and officers, and having the right coverage helps protect your director, officers, and organization from allegations or issues that can arise at the worst times. Conflict of interest issues or allegations of misconduct can be detrimental to your non-profit, so having ample insurance protection in place is a must. Hopefully you never have to deal with any serious problems involving your officers and directors, but you deserve to be ready for the unexpected - and having the means to handle these issues is a must.

Your Ohio non-profit is something that should be protected, and the right insurance coverage can be a game-changer for your situation. While you cannot predict what situations will arise down the road, you can be ready for the unknown. When you have the right insurance coverage, you can ensure that your Cleveland non-profit organization is prepared for the ups and downs that life brings. From liability issues to auto mishaps to situations within the organization, you deserve to be prepared to handle whatever comes so that you can move forward with confidence. 

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Safeguarding Your Cleveland Non-Profit With an Insurance Policy That Meets Its Needs
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We all are well aware that the future is unpredictable and full of unknowns, but that doesn’t mean that you should live in constant worry when you can have the coverage your situation requires. Talk with your insurance agent about what policies best suit your Cleveland non-profit’s needs. You do not have to be alone in the search for right insurance protection. 
 
Here at Cobos Insurance, we know that the world would not be the same place without non-profit organizations like yours, and we encourage you to not settle for less than the best insurance policy 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 and we can help you find the coverage that meets your Cleveland non-profit’s needs. We believe you and your Cleveland organization deserve the best so that you can continue to help those in your area.

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Finding the Ohio Auto Insurance That Fits Your Situation

9/8/2020

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Your car is a key part of your life, and having the right car insurance policy for your vehicle is a non-negotiable. Your car takes you to work, to the supermarket, and everywhere in between. What would you do without it? You wouldn't get anywhere fast, that's for sure. Having an Ohio car insurance policy helps you safeguard your vehicle - which by extension protects your livelihood. That is a significant thing, and you deserve to be well protected.

Finding the coverage that meets your Ohio car insurance needs is something that cannot be put off. Mediocre insurance coverage is not the way to go when it comes to protecting the vehicle that plays such an integral part of your day-to-day life. You deserve the best coverage for your situation, and you shouldn't have to wonder whether or not you have ample protection in place. 

How Ohio Car Insurance Coverage Can Help You Protect Your Vehicle ​

What all can the right Ohio auto insurance policy do for your vehicle? Quite a lot, actually, and it can help you have some peace of mind (and that is no small thing!). Making sure that you have the best policy for your situation is not something to push onto the backburner.

  • Property damage liability coverage is invaluable any time you are dealing with a motor vehicle. While you hopefully never have to deal with any issues involving property damage, you should be prepared for that eventuality. When you have liability situations, you can find yourself facing lawsuits and other legal repercussions, so having excellent coverage is important. 

  • Collision coverage is another valuable aspect of an Ohio car insurance policy. The damage that a collision can wreak on your vehicle can be extensive, and you don’t want to find yourself paying for it out of pocket when you can have the right insurance coverage for the situation.

  • Bodily injury liability coverage is available and absolutely vital when it comes to safeguarding your Ohio car. If the other driver or the other driver’s passengers suffer injuries, this coverage takes care of those medical costs. Medical issues are never pleasant and rarely inexpensive, so having the right coverage at the ready is a necessity. 

  • In the same vein as bodily injury liability coverage, medical payment coverage covers the costs of your medical treatments. You deserve to have the treatments you need, and good medical payment coverage can help you afford the care you need should you sustain injuries in an accident. 

  • Another indispensable part of taking care of your car is having ample uninsured and underinsured motorist coverage. While it can be hard to believe, there are drivers on the road who have insufficient coverage (and some who have no coverage at all!), and you should not have to pay for the mistakes of others.

  • Damage does not always come in the form of an accident. That is why comprehensive coverage is such an asset to you as an Ohio car owner. Comprehensive coverage handles issues such as theft, vandalism, hail, and windstorms - so whether it's a man-initiated problem or a force of nature that comes against your vehicle, you can have the protection your car needs. 

Being prepared is so important, and while we all hope to never deal with accidents or disasters, being ready for those circumstances is both the wise thing to do and the responsible way to protect your car. While you cannot know what will come up down the road, you can be sure that you are ready to handle it. 

Finding the Best Ohio Auto Insurance Policy For Your Car

Remember, you are not on your own. Talk with your insurance agent about your car’s insurance needs. You deserve to be prepared for the unexpected, and having the right Ohio auto insurance policy is a must. There are many unknowns that can surface, but you don’t have to be caught unawares when you have the right coverage for your situation. 

At Cobos Insurance, we know that there are issues that can come up when you least expect them to, and you want to ensure that your vehicle is safeguarded with the best insurance coverage for its 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 and we can help you find the policy that fits your car’s situation. 
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Protecting Your Elyria Home With the Right Ohio Insurance Coverage

9/3/2020

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Elyria Ohio Home Insurance
As you know well, good Ohio home insurance coverage is an important part of taking care of your Home in Elyria. Your home is far too valuable to have anything but the best coverage in place to safeguard it, but finding the best policy can be an overwhelming task. The good news is, you can get an Elyria home insurance policy that meets your needs and fits your situation. 

While you may associate more risks with your vehicle than with your home, disaster can rear its pesky head and wreak havoc on your home when you don’t expect it to. You don’t have to take unnecessary risks with your property when you can have the coverage your Elyria home really needs. Being prepared for whatever comes your way is an invaluable aspect of taking care of the home you love, so don’t put off finding the right policy.
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What Ohio Home Insurance Can Do For Your Situation in Elyria
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As an Ohio homeowner, you want nothing less than the best protection for your situation, and knowing what the right coverage can offer your home can be very beneficial for you. You shouldn’t have to wonder what your coverage will take care of should something happen to damage your home - and being properly prepared is a must. 

  • The natural world cannot be controlled, which is why coverage for hail, windstorms, lightning, and other nature-caused damages is non-negotiable. You cannot know when a bout of strong weather will damage your property, so having the right insurance protection to help you cover damages caused by nature is important. 

  • Fire damage is something no homeowner wishes to face, but taking the time to prepare for such a possibility is a must. Hopefully you never have to deal with any sort of house fire, but if you do, good Ohio home insurance coverage can help you deal with those costs.

  • While it doesn't sound nearly as terrifying as "fire damage," smoke damage can be just as ruinous to your personal property.  Smoke damage can ruin your belongings to the point that replacing them is the only option, so having good coverage for smoke issues is indispensable when it comes to protecting your home.

  • Coverage for theft and vandalism is also important. Regardless of how wonderful your neighborhood is, theft and vandalism issues can arise, so having the right coverage in place to help take care of those scenarios is vital. Theft and vandalism can result in thousands of dollars worth of loss and damage - and you do not want to be caught off guard by those expenses. 

You can also add insurance coverage to suit your needs. If your Elyria home is at risk for water and sewer issues, coverage for water and sewer back up can be a game-changer for you. Coverage for mold and fungi can cover testing for wet and dry rot, as well as helping you deal with the expenses that come with mold and fungi issues. You may not know that you can get coverage for identity theft as well, which protects you from the dangers of others using your information fraudulently. Your needs are unique to you, so your home should have the protection its situation requires.
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Insuring Your Elyria Home With the Right Ohio Insurance Coverage 
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Your Elyria home is not something to play games with or to take any chances with, and you should never have to worry whether or not you have ample protection for your Elyria home. You deserve to have the right insurance policy for your home - and you don’t have to feel like you're on your own when it comes to choosing the best protection. Your insurance agent can help you find the coverage that fits your situation, so don't hesitate to ask any questions you may have. You are a responsible homeowner, and you should reap the benefits of your hard work. Don't let mishaps and disasters take away from the joy that you have in your home in Elyria, Ohio.

At Cobos Insurance, we know your Elyria home is a huge part of your life, and we believe that you deserve to have the insurance coverage that meets your needs. Call us at our Elyria office at 440-324-3732 or at our Avon Lake office at 440-933-5223; contact us today and we can help you find the coverage that properly safeguards your Ohio home. 
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What You Need to Know About Ohio Vacant Home Coverage

8/27/2020

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

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

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Protecting Your Vacant Home With the Right Insurance Protection
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You want to have as smooth an experience as possible when it comes to selling or renting out your home, and being prepared to tackle sticky situations is an important part of taking care of what you own. 

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

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

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

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

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

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

8/21/2020

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

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

Insuring Your Food Truck With the Right Insurance Coverage For Your Situation
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Being armed against disaster is important. Having an insurance policy that has your back when mishaps arise is an invaluable thing, and you should have an idea of what protection your food truck needs:

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

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

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

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

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

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

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

8/13/2020

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

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

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

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

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

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

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

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

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

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