 Northeast Ohio is truly a great place to live. It’s beautiful, it has vibrant cities, and - perhaps most wonderful of all - it has Lake Erie. That being said, we have some pretty unpredictable and cold winters here and if we’re not careful, our vehicles can suffer for it. Freezing temperatures, hazardous road conditions, and weather that offers us low visibility are all things we have to prepare to deal with as chillier weather heads our way. The good news is, there are steps we can take to protect our cars during the winter that can give us an edge.
Of course, having the right Cleveland car insurance policy is the first step when it comes to protecting your vehicle from the unexpected. Everyone’s situation is different, so be sure to talk with your insurance agent about how to best insure your vehicle. In addition to having the right coverage to safeguard your car, there are things you can do to help prevent unnecessary seasonal issues from coming up. Giving Your Car the Care It Deserves Refreshing your winter routine can save you a lot of trouble down the road (pun intended!). Sometimes nasty weather creeps up on us out of nowhere, so keeping everything in good order is an important part of taking care of our cars in Cleveland. Of course, there will always be things that are out of our control, but since safety comes first, making sure that we have prepared for the ice and snow ahead is invaluable.
Going the extra mile to safeguard your car can be one of the best things you do for your vehicle this winter! Don’t wait for issues to show up before taking the steps to give your car the care it needs. It can save you a lot of trouble in the future and it’s always good to be ready to handle whatever comes your way. Setting Yourself Up For a Wonderful Winter No matter what this Northeast Ohio winter brings, you can be prepared to handle it! Here at Cobos Insurance, we know how important your car is to you and how crucial it is to your daily activities - and we want to set you up for success. Call us at our Avon Lake office at 440-933-5223 or at our Elyria office at 440-324-3732; contact us today so we can help you get the coverage you need for your car and your situation. None of us should have to face Cleveland winters alone!
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 It may still be November, but with a late Thanksgiving this year, Christmas will be here before we know it! Now is the time to start thinking about holiday preparations and spending time with your loved ones. After all, Christmastime only comes around once a year - we should enjoy it thoroughly along with our friends and family.
We all have our own favorite ways of celebrating the season, but it is always fun to try a new activity or outing to celebrate the holidays. Since you are lucky enough to live in the Cleveland area, you get to reap the rewards that come with living in such a unique and vibrant city. There's so much to see and do in Cleveland, and what better time to explore the beautiful place we live in than this holiday season? Once you try out some of these Christmas-themed activities, you'll want to add them to your list of favorite holiday traditions! Top Five Ways to Enjoy Christmas Cheer in Cleveland
Bonus: we know that we said "five," but if you have never been Christmas caroling at a nursing home or even for some friends or neighbors who need a little extra cheer this year, this is the year to try it. You don’t have to be a great singer to spread Christmas joy through Christmas carols, and there’s no better way to get into the Christmas spirit than to bring life and cheer to others. Celebrate This Season With the Ones You Love Most However you choose to get into the Cleveland Christmas spirit, be sure to take the time to let your loved ones know how much you treasure them! It can be easy to lose sight of what’s really important in all the hustle and bustle that comes with this time of the year, so make sure that you show your friends and family how much they mean to you. At Cobos Insurance, we believe that the holiday season is one of the most wonderful times of the year and we encourage you to go spend quality time with those you love. The Cleveland area has so much to explore and enjoy, and the Christmas season is the best time to start making memories that will last a lifetime.  Cleveland area Haunted Houses
The cool autumn weather is upon us and the leaves are just beginning to change colors, of course that means the haunted houses in Cleveland are officially open for business! We're sure many of you can remember the first time you were allowed to stay up late and watch a scary movie or maybe your parents took you out to a haunted house or corn maze and you experienced that frightened feeling for the first time. Some of you never wanted to experience that scare again and some of you were probably hooked on that scared feeling, either way most people want their kids to experience these things as a family, and what better way than one of the Cleveland area haunted houses! The Cobos Insurance Center blog is your go to destination for seasonal attractions and reviews, so naturally we have compiled a list of the best haunted houses in the Cleveland area, but before we get to the list, lets take a look at how the typical fall haunted house in America came to be. There are over 1,200 haunted houses across the United States, so our list of haunted houses in Cleveland is just a small sampling of the haunted attractions around our country. Believe it or not, haunted houses are not a recently developed tourist attraction, but we can actually date the spooky scare tactics all the way back to the ancient Egyptians. The Egyptians used scare tactics like moving walls, trap doors, hidden compartments, mazes, and even snakes and spiders to ward off would be tomb raiders. Although they didn't charge admission to the pyramids, many of these scare tactics are still used today in the haunted houses we frequent. Of course no haunted house would be complete without a few jack-o-lanterns or carved pumpkins around. The carved pumpkin itself was actually a custom brought over from Celtic people who were surprised to see a lack of turnips to harvest during fall in America. The Celtic people used to carve faces in turnips and hang them above their doors to ward off evil spirits around All Hollows Eve. When they got to America and found the lack of turnips, they began to use pumpkins to keep their ritual going. We're guessing that they quickly found out that pumpkins were much easier to carve, since they never went back to the turnips of yesteryear. Looking for a kid friendly alternative? Be sure to check out the Carlisle Reservation, a part of the Lorain County Metro Parks, Halloween Fair. This destination is a Cobos Insurance favorite since we have children and grandchildren that aren't yet ready to brave the full on scary haunted houses that Cleveland has to offer. The Carlisle Reservation offers a spooky trail that is also available to tour during daylight hours when it is much more visible and easy to navigate with young children. They also offer little green choo choo and wagon pulled tractor rides, free entertainment, costume contests, Midway games (Squirt the Duck, Ring around the Pumpkin, Monster Toss, Match the Duck, Ladder Ball, Let’s Fish, Witches Basketball, Ring Toss, Pick a Sucker, Bean Bag Toss), Night owl corn maze, spider egg hunts, a splash-o-ween event, spooky nature hunt, and a trick or treat scavenger hunt. If you're looking for more kid friendly options for fall destinations, be sure to check out our article on Fall Destinations in the Cleveland area! When the kids are ready to brave a haunted house, check out our list below... The Best Haunted Houses in Cleveland Ok, here it is, the list you have been waiting for! We have to give credit to OhioHauntedHouses.com which is a great resource to find any haunted house in Ohio, as well as in depth reviews and ratings. Carnival of Horrors at Blossom Music Center, Cuyahoga Falls Rockin R Ranch's Old West Pumpkin Fest, Columbia Station Fortress of Fear Screampark, Garrettsville The Ohio Gorematory, Mesopotamia Nightmare in the Wilderness, Lodi Spooky Ranch, Columbia Station Hauntville, Elyria Let us know what your favorites are, comment below! One of our favorite fall festivities is packing up the kids on a cool autumn morning and heading out to one of our favorite apple orchards in the Cleveland Ohio area. (If you need some tips on how to keep your kids entertained in the car on the way to the orchard, click here to check out our article!) We are a family run insurance agency that loves to pass along little tips and tricks to help make your family life a little more adventurous than just watching a Saturday night movie with the family. If you’ve ever been in our office you know we like to have fun, and if you haven’t had the chance to stop by, you should!
Our Favorite Spot We have definitely done some apple picking in the Cleveland area ourselves, and we’ve had the chance to check out some of these orchards that we’re about to share with you. Having said that, one of our favorites is Miller’s Apple Hill. (www.millerapplehill.com) Miller’s is an affordable place to take your family apple picking in the Cleveland area, and they also have several great fall theme photo taking opportunities. If you get a chance to stop by, tell them Cobos Insurance sent you and be sure to check out their unique gift shop! “Apple Hill is a quaint farmers market located in Amherst, Ohio which became part of the Miller family tradition in 1986 to expand the retail opportunities for Miller Orchards. Since that time, Apple Hill has become much more than a farm market where fruit and vegetables are sold. The first expansion was completed in 1994. Garage doors were replaced with permanent walls, windows, and doors. Out with the pot-belly stove and in with an actual furnace which meant Apple Hill could remain open year round and begin carrying bulk food. The business grew and in 1996, Apple Hill expanded again, adding on storage and retail space allowing an expanded inventory.” Apple Orchards in Cleveland · Brant’s Apple Orchard, Ashtabula · Kiray’s Orchard, Ashtabula · Smith’s Fruit Farm, Geneva · Heavenly Hill Farm, North Royalton · Royalton Farms, North Royalton · Eddy Fruit Farm, Chesterland · Patterson Fruit Farm, Chesterland · Sage’s Apples, Chardon · Dodd’s Hillcrest Orchards, Amherst · Grobe Fruit Farm, Elyria · McDowell Orchards, Amherst · Miller Orchards, Amherst · Spiegelberg Orchard, Lorain · Geig’s Orchard, Seville · Mapleside Farms, Brunswick · The Apple Cabin, Lodi Why Apples? Of course apples are fun to pick off of a tree and also come in handy when your child has a loose tooth, but what are some other reasons to reach for an apple? Apples are fat free, sodium and salt free, a great source of fiber, and also cholesterol free. Apples are also a great source of antioxidants and the mineral boron which can help strengthen bones. They can also help you maintain healthy blood sugar levels due to the combination of fiber and fructose. In addition to being good for you, apples also contain natural sugar so they can even give you a quick energy boost. So when you're apple picking in Cleveland, remember you're picking delicious and nutritious fruit! Make your own Caramel Apple Cider! We love taking our kids out to local apple orchards, but we really love to make our own hot apple cider when we get home! So, what does it take to make your very own home made caramel apple cider? Lets start with the ingredients you will need to get started, you'll need to go down to your favorite local Cleveland farmers market or super market and pick up; 5-10 apples (either red or green, your choice), 1/3 cup of caramel sauce, 1/3 cup of brown sugar, 8 cups of water, 1/4 teaspoon of allspice, 1 whole clove, 1/2 teaspoon of ground nutmeg, 2 cinnamon sticks, and 1 whole orange. Next you will need to get your slow cooker out and start prepping your apples and orange. You will need to cut your apples into quarters and you can actually just throw the entire orange in the slow cooker with the apples. You will want to add the 8 cups of water right after you put the apples and orange in. Next, take all of the other ingredients that we listed (except for the brown sugar and caramel sauce) and throw them in the slow cooker with the apples and orange! You should stir everything up to make sure it is spread throughout the mixture. Set your timer for 6-8 hours and find something else to do, otherwise you will be sitting there watching your slow cooker for way too long! Once you have let your cider cook for 6-8 hours (and hopefully have gotten something else done in that time), you will want to use a strainer to strain the cider into heat proof pitcher. Now to get that sweet taste, stir in the brown sugar and caramel sauce until it all dissolves. Of course the best way to serve your home made Cleveland caramel apple cider is warm with whipped cream on top! You can even throw in a cinnamon stick to jazz it up a bit. Now that you are an expert at making home made apple cider, you may be thinking to yourself that you could do this full time, and why not? If you think that you could or would want to start your own home based business, be sure to click this sentence and check out our article on insuring your home based business.  Fall is upon us here in the Cleveland area, the smell of apple cider is in the air; will you be throwing on your favorite sweatshirt and joining us at one of the many great fall destinations in the Cleveland, Ohio area? Being located in Elyria, we like to frequent the pumpkin patches and farmers markets, especially when sweet corn is in season! It seems like we spend a lot of time hunting around the Internet and local publications to find some of these activities and destinations to visit during the fall, so in order to make it easier for everyone, we have put together a list of local Pumpkin patches and Farmers' markets in the Cleveland area.
One of our favorite places to visit is a farmer's market not far from our Elyria office, located in Avon, called Pickering Hill Farms. Did you know that Pickering Hill Farms has been around since the 1800's when Jack Pickering came over from England to start a ranch? The Pickering family runs the farm to this day! The wonderful history and heritage associated with this place makes it a must see fall destination for us. If you stop by to see the Pickering family farm, tell them Cobos Insurance sent you! Fall Destinations in Northeast Ohio
We love visiting these places in the fall, as the leaves are showing their true colors and the cool air begins to blow in from the lake. It truly is one of our favorite times of year! We also notice that we are asked more frequently about home based business insurance, which makes sense due to the increase in their sales during this time of year when you own fruit stands, vegetable stands, honey stands, pumpkin patches, corn mazes, or one of the many other home based businesses. If you own and/or operate a home based business, there are a few things you should ask yourself to ensure that you have the proper insurance coverage in place. Be sure to check out our article on home based business insurance from last week, that will answer many of your questions regarding your unique needs, Simply click here to read that article! If you'd prefer to call us and chat over the phone, we'd love to hear from you, you can reach us at 440.233.6199 today! The Journey is the Destination... If you're like many parents (including us), you might be wondering how to best keep your children entertained while driving to some of these destinations in the Cleveland area. We understand just how frustrating it can be to plan an entire day trip around a kid friendly activity, only to have it derailed on the drive there because the kids get tired and restless! Cobos Insurance is a family run business, so believe us when we say, we can relate! We have compiled a list of activities that might help make the ride more enjoyable for the entire family that we will be sharing with you next week, so stay tuned and be sure to frequent CobosInsurance.net so you don’t miss any of our weekly articles. (If you're planning on checking out any of these wonderful fall destinations in the Cleveland area, be sure to tag us in your picture via Twitter, Instagram, or Facebook!) Do YOU know of any good fall destinations in Cleveland? We would LOVE to hear from you! It’s very easy to interact with us and let us know some destinations that you have found in your travels. You can follow us through the following channels… Simply click the links above to connect with us and give us some feedback on what places we should check out around the Cleveland area!  When you live in or near the Cleveland area, you are never at a loss for things to do, and one of the city’s finest offerings is the Cleveland Metroparks Zoo. What is your favorite thing about the zoo? Your favorite part might be getting to see the animals, expanding your knowledge, or spending time with friends and family. If you haven’t been to the zoo in a while, now is the time to rediscover it. Visiting a zoo is always a fun experience, especially when you have children in your life. There’s just something about getting to see amazing animals up close, both familiar and unique - and the Cleveland Metroparks Zoo has so much to offer the avid animal lover and the budding enthusiast alike.
Strolling through a zoo and enjoying the sights is a timeless enjoyment, but the Cleveland Metropark Zoo has so much more than that! The zoo offers more beyond just getting to see the animals; it has amazing events for everyone in your circle and enriching opportunities to learn more about the amazing creatures featured at the zoo. If you do have kids in your life, bring them along - they will be awed by the animals and they will find the programs geared towards their age range engaging and exciting. You might even find you have a little zoologist on your hands! There’s Something For Everyone at the Zoo This hidden gem has so much for you and your friends and family to explore! From amazing trails like the Australian Adventure and the African Savanna loop trails to exhibits like the Wolf Lodge, you won’t be at a loss to find enjoyable walks and diverse exhibits. They have animals from all over the world; you can find everything from wolves to elephants, so you will not be disappointed. There are educational programs, which are not only for children and teens - they’re for adults, too! Check out Cleveland Metropark Zoo’s lineup of amazing programs and educational events. There are so many to choose from, ranging from Career Days for grade schoolers and high schoolers to “Inside Tracks,” a special inside look at certain exhibits. They even have a Keeper for a Day Program that allows you to explore what a career with animals would entail! And it’s not just for middle school, high school, and college students - working adults can participate in this program, too. Don’t miss out on these amazing opportunities. Another thing you simply won’t want to miss: their Christmas lights. Christmas is closer than some of us may realize, and the Cleveland Metroparks Zoo has a stunning array of Christmas lights during the holiday season. It’s a wonderful excursion and it is a great group activity if you are looking for ways to spend some quality time this winter with friends and loved ones. The Zoo offers ticket discounts on groups of 25 or more if you make advanced reservations, so take advantage of that offer and make some cherished memories together. Making Memories at the Cleveland Metroparks Zoo Sometimes we forget how enriching spending time around animals can be. There’s just something special about watching monkeys playing with each other or elephants having fun with a toy ball in their habitat. Healthy animals are happy animals, and the Cleveland Metroparks Zoo keeps their animals at their best, making sure that their minds are engaged and their bodies fit. You might even be inspired to use some of the techniques on your dog at home! The sad fact is, we often do not explore the sights in our own little corner of the world the way we ought to. Cleveland is an amazing city, teeming with life and unique places to explore, and it is time that we explore the wonderful, close-to-home attractions we have nearby. You are truly lucky to live in the Cleveland area, and you should embrace the local color and enjoy it for what it is; a treasure. Here at Cobos Insurance, we encourage you to not let another day go by without exploring the Cleveland Metroparks Zoo! It truly is a hidden gem. There is so much to enjoy there, and what better time to expand your horizons than right now? You will be glad you took the time to explore - and so will your friends and family!  Chances are if you’ve gone to the mall, a basketball game, or even just been around children in general, you’ve probably noticed how attached kids are to electronic devices these days. Whether it’s a laptop, tablet, or phone, you usually don’t see a child go anywhere without one. With this being the case, it means that children are more attached to phones, and more detached from society. This can be a scary thing, knowing that they are interacting less with you, and more with random people on the internet. Many parents express worry, because children sometimes will fall away from hanging out with friends and having real human interaction, and instead choose to chat with people online.
If you are one of those parents that is looking to find some ways to get your kids off of Instagram and into the real world, the following tips are for you. Here at Cobos Insurance, we believe in families, and families are only successful when they spend time together. These tips will not only help your kids become closer with people in real-life, but they will also help your family be closer and have that strong bond! If you resonate with any of these things, read on to find out how to safeguard your children from too much social media. Set up Limits for Your Kids Your kids can’t follow guidelines that they do not know about, so why would they limit their own social media use if you’ve never been upfront about how much they can actually use it? A huge part of getting your kids to follow rules and guidelines is to give them rules and guidelines. This might seem obvious, but some families have never really even talked with their kids about this issue. Your kids are kids, and they need to be told what to do in order to become the adults you want to see them become. By setting specific limits and making sure to communicate these to your children ahead of time, you’ll save yourself a lot of headaches and fights. This is the first and, quite frankly, most important step when learning how to safeguard your children from too much social media use. Set Up Screen Time Limitations Something many people don’t realize is that you can set actual limits on your child’s phone, and you can even lock the limits with a passcode. There’s also a special feature called “set up screen time for family” that allows you to control your family’s devices. This is Apple product specific, but it is definitely worth searching and looking into for other brands of phones. There are two great ways to take advantage of Apple’s limits. One way is by using the “downtime” option. This is where you can set a schedule for when your kids can use their apps, and you can even choose certain apps to still be usable during “downtime,” like phone calls or alarm apps, for example. The other option is to use the “app limits” feature. This feature lets you add time limits for specific apps. Have the kids hit their 1 hour social media limit for the day? Their phone will let them know, and disable the app until the next day. Apple was really thinking of parents and was definitely trying to be aware of how to safeguard your children from too much social media use when they made these settings! App limits and setting downtime for your kids is a major way that you can prevent your child from spending what may seem like every minute of every day on social media. Knowing What They’re Looking At Many parents fear less about how much time their children are spending on social media, and more about what they’re doing or looking at on social media. The world can be a scary place, and social media gives children access to all of that. If your children are younger, you have a lot more control over what they do and see, but if they’re older, it gets a little more difficult to interfere and control. For younger kids, a great tip is to monitor what you follow, and to lead by example. Most kids just want to be like mommy and daddy. They want to be grown up like you and do the things you do. If you start them off seeing positive and appropriate media when they’re young, this teaches them what to look at and follow once they’re older. By making social media something that your family talks about and maybe even uses together, you’re doing one of the most important steps in safeguarding your children from too much social media, specifically too much of the wrong kind of social media. One thing that you could do for children who are just starting to use social media, is to find some appropriate and positive accounts, and have them follow those accounts. You could even set up a rule where your children have to get permission before following someone new, and monitor who they follow. This may seem overbearing, but in the end, it greatly helps your kids to become the best person that they can be, and it keeps them away from inappropriate things. To Sum It All Up… To wrap up the topic of how to safeguard your children from too much social media use, it really comes down to having honest and open discussions with them. Instead of expecting them to know how much time they can spend on social media, or who they are allowed to follow on their accounts, discuss these things with them. Instead of yelling or getting angry when they spend too much time on their phone, explain why you would like them to not do that, and allow them to be a part of the discussion. By talking with your children and not at them, you don’t make them want to sneak around and do something they shouldn’t, but you create an open dialogue that simply explains why it’s important for them to not live on social media. Click here to check out our other great family and insurance blogs →  Summer is almost here! And summer means that you and your family will soon be spending more time outside, and you may be trying to come up with some fun things to do in Cleveland this summer. It is always a good time to find new fun summer activities for you and your loved ones! Cleveland has many great places to explore, and while is is difficult to pick just five of the amazing things you can do around the area, we have a handy list to help you get some good ideas to jumpstart your family summer bucket list.
Cleveland Metropark Zoo The Cleveland Metropark Zoo is a wonderful option for summer fun for you and your family - what better way to enjoy the warmer weather than a zoo? This is especially wonderful if you have young children. Some of the best memories you can give your child are at the zoo, and it is an activity that is enjoyable for the young and old. The Cleveland Metropark Zoo has special events as well, so it is well worth checking their summer schedule. Edgewater Park This is a glorious time of the year, when you and your family spend many fun hours together...and a good park is one of the most fun, casual, and inexpensive summer outings you can have. Edgewater Park is a really neat place to explore. There is no cost to come enjoy the beautiful lakeside park, and it is a gorgeous area. Seagulls, sunshine, and Lake Erie - a recipe for a wonderful time with the whole family. There is even a dog beach, so you can bring the family dog, too! This would be an excellent place to bring a delicious picnic to enjoy in the open air, or to try one of the nearby food options. The beach is lovely, and fair warning: this is likely going to become a summer stop that your family is going to want to come back to again and again. The Cleveland Museum of Art This is an indoor activity, but an wonderful summer outing as well. The Cleveland Museum of Art is a great place to take the family, and the neat thing about an art museum is that not only is it a fun experience for your kids, but the enjoyment grows as your children age and understand art more. They also have great events over the course of the summer. This is a great activity to turn into an annual family outing. Loew Park Your children will adore the many different areas to play, and Loew Park goes far beyond a regular park! They even have movie nights during the summer, so that is something to look into. This is a great park, complete with not only a fantastic playground, but also a water playground and pool. Summer and water fun go hand-in-hand, and this is a perfect park to bring your kids to - they will be thrilled, and you will have a fun time as well. Cleveland Botanical Garden The Cleveland Botanical Garden is a wonderful place, full of beautiful plants and teeming with life. They have indoor and outdoor gardens, and the grounds are extensive. They even have a children’s garden, so there is something for everyone. There is just something about being out in nature that revives and restores you, and it is a great place for family bonding time. They have ample family programs (as well as many adult programs), so if you decide that you and your kids would enjoy something like that, there are many neat options. This is a good outing to bring the grandparents along as well - it is a joy for all ages. Summer Memories That Last a Lifetime There are many amazing options in Cleveland, but there you have it - 5 of the top things to do with your family this summer in Cleveland, Ohio. You and your family might find that one or two activities on this list becomes your favorite family outing every summer! What are you waiting for? Grab your family and friends and go make some summertime memories in the great city of Cleveland! The kids in your life will be delighted, and the memories will stick with you forever. Cleveland Motorcycle Insurance: Why You Should Review Your Policy Before Taking to The Road3/25/2019  It’s getting warmer outside and the days are getting longer, which means it’s almost prime motorcycle weather, good news for all of our bike owners out there! Before you even think about riding your motorcycle though, you need to make sure all of your insurance coverage is up-to-date and that you have all of the coverage that you need. Today, we’re breaking down the basics of why you should review your motorcycle insurance policy before taking to the road.
Some states require coverage If you’re one of our Ohio readers, you are legally required to have motorcycle insurance, so keep that in mind before you even think of driving your motorcycle to work tomorrow. It is very important to check with an insurance agent and see whether or not your state requires you to have motorcycle insurance. The fact that most states do require motorcycle insurance is a prime example of why you should review your motorcycle insurance policy before taking to the road. Even if your state doesn’t require it, you should still look into insuring your motorcycle. Even if you choose to go with the most basic coverage, that could end up helping you out a lot if an accident were to happen. There are different types of policies available Not every insurance policy is the same and that is important to remember when looking into coverage options. You want to be sure that you understand what each type of coverage is before choosing what coverage you’ll pay for. We’re breaking down a few types of coverage here but it is important to realize that there are additional coverage options available and you should always discuss your options with an agent before choosing which you’d like to go with. Liability Insurance This policy offers you both bodily injury coverage and property damage coverage. This coverage can, for the most part, be summed up by saying that it protects you from having to pay someone’s injury or repair bills if you were to cause an accident. You don’t want to be tens of thousands of dollars in debt, which is why this is on our list of why you should review your motorcycle insurance policy before taking to the road. Comprehensive and Collision Coverage Comprehensive coverage basically helps you out with things that don’t involve a collision accident. If your motorcycle were to be stolen, this coverage would be the one that you would want to have in place to help cover the cost of a new one. If anyone vandalizes your motorcycle, comprehensive coverage may also help to cover repairs. Collision coverage is pretty self-explanatory, but what it does is it helps you out in situations where you collide with another vehicle and damage your motorcycle. In this case, your insurance agency will help you cover repairs/replacements that need to happen. Uninsured/Underinsured Motorist Coverage If you are in an accident and the person on the other end of that accident doesn’t have insurance, you could be in trouble. What if you were on a nice evening ride and another motorcycle came around a turn too fast and collided with you? What if the owner of that motorcycle didn’t have coverage? This is just one example of why you should review your motorcycle insurance policy before taking to the road. If you were to find yourself in this position, you could end up having to pay all of your medical, motorcycle, and many other bills on your own. Don’t let this situation happen to you. If you get a good uninsured/underinsured motorist coverage policy in place, you won’t have to worry about this type of situation, because the coverage will help you out with things like your motorcycle damage, medical bills, and even lost wages if your injuries are more extreme. You want to make sure your policy is up-to-date If you got a new motorcycle or swapped your old one for something different, you want to make sure that your motorcycle insurance policy reflects that. If you haven’t made your insurance company aware of those changes then your new motorcycle is not covered by your policy and that could really hurt you if you were to get into an accident. Making sure your coverage is up-to-date and accurate is extremely important and is one of the biggest reasons why you should review your motorcycle insurance policy before taking to the road. The bottom line is… We say all of these things in this article to say… Insurance is extremely important. While it may not be “necessary” in a few states, it is something that you should really reconsider if you don’t have a motorcycle insurance policy in place. The cost of insurance doesn’t even compare to the cost of medical bills, motorcycle repairs, compensating for lost hours at work, and even more sad realities of motorcycle fatalities. Do yourself a favor and make sure you are covered for when disaster hits, because unfortunately it could happen at some point in your life. Here at Cobos Insurance we offer many different plans that we can help you talk through in order to choose the best coverage option for you and your family. Click the link here to find out more about our motorcycle insurance policies and how we can help you choose the one that best fits your needs. We hope that this article helped you to better understand why you should review your motorcycle insurance policy before taking to the road and that you’ll do further research and find what works best for you.  Whether you’re here visiting friends or family, here for a short vacation, or you live in Cleveland and just want to find some entertainment options, look no further. We’ve compiled the city’s gems into a short and sweet list of five things in Cleveland that you have to check out this spring. This Ohio city has a lot of hidden gems that will keep your family, or your group of friends, having fun.
Check out the jazz and blues scene While Cleveland, Ohio is definitely not New Orleans, there are still some great places that feature live jazz and blues music! If live music is your thing, Cleveland is your place, and these are some of the top places you’ll want to check out on our list of five things in Cleveland that you have to check out this spring. Here are a few to try out... Nighttown Cleveland With live shows just about every night, this place has all of the entertainment you could possibly need. Not only are they know for entertainment, but they also have a full menu of food with six dining rooms and three bars. They also have a four-seasons outdoor dining area with moveable walls, which is great for those warmer spring days! BOP STOP at The Music Settlement Located on the Near-West side of Cleveland, the BOP STOP is a great place to spend your evening. Not only is it a great time, but the money from your ticket purchase goes to a great cause. With over 250 events hosted per year, you can be sure to find a great show to catch during your time in Cleveland this spring. Cultural Gardens The mission of the Cleveland Cultural Gardens is to bring “peace through mutual understanding,” and that is exactly what it does. The gardens depict poets, scientists and more, all of whom have contributed to the cultures of the world. The gardens are located in Rockefeller Park and span about two miles. West Side Market Cleveland’s oldest publicly owned market, the Westside Market has over 100 different vendors which feature a lot of different ethnic diversity. From fresh flowers, to baked goods, to fresh meat and veggies, this market really does have it all. Tourists travel from all over to check out this market, and they have even been featured on the Travel Channel and Food Network. It’s no wonder why it made it onto our list of five things in Cleveland that you have to check out this spring. Here are a few of the vendors we’d check out if we were you... The Cheese Shop The Cheese Shop offers over 175 kinds of rare and traditional cheeses from all over the world. Yes, that’s right, 175! That’s a lot of cheese, guys. Check it out and bring some cheese home for your night wine night. Theresa’s Bakery Bread and pastries are just two of the treats offered at Theresa’s Bakery. Not only do they have bread, but they actually have over 30 kinds of bread. That’s a lot of bread! Did we mention cannolis? Because they have those too… 17 flavors of them, in fact. Definitely one you’ll want to add to the list of five things in Cleveland that you have to check out this spring. B.A. Sweetie Candy Company Not only is B.A. Sweetie Candy Company a candy shop, but they actually specialize in nostalgic and hard-to-find candies. That means that they might just have that candy that you used to eat as a kid but haven’t been able to find anywhere else. Give them a try if you’re looking for something sweet! Watch an Indians Game Watching a Cleveland Indians baseball game is one of the classic Cleveland traditions, but something you can’t talk about Cleveland in the spring without. Year after year, Cleveland fans gather at Progressive Field to see the Indians take on opponents game after game, and there’s nothing like it. Do yourself a favor and partake in this, one of the most American pastimes. The Holden Arboretum Located about half an hour from downtown, The Holden Arboretum features the Murch Canopy Walk and Kalberer Family Emergent Tower. While this is a little difficult to fully describe, (you have to go to get the full experience) The Murch Canopy Walk is basically a really long walkway that is 65 feet above ground in a forest. The tower goes even higher, hitting a height of 120 feet. This isn’t an experience you get everyday, and this unique little gem of an experience in Cleveland is one of our favorites on the list of five things in Cleveland that you have to check out this spring. You’ll thank us later! Now get out there and explore the Land! Now that you’ve read our list of five things in Cleveland that you have to check out this spring, you’re officially ready to go out and explore Cleveland, or as some call it, “The Land.” From live nightlife entertainment to exploring forests at 120 feet, there really is no limit to what you can do in Cleveland, Ohio. Pack up the kids or get your friends together and get ready to have a fun adventure, because there’s an endless amount of adventures awaiting you in Cleveland. Have fun exploring! |
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