Home Insurance

" The ache for home lives in all of us, the safe place where we can go as we are and not be questioned."  Maya Angelou
At Cobos Insurance, we understand the importance of creating a safe and happy home for you and your loved ones.   Whether it be a primary home, rental, vacant or mobile home, we have a solution to your needs.  Having partnered with several A-rated carriers, like Grange Insurance, Safeco/Liberty, Ohio Mutual, and State Auto, we are confident in placing your home with some of the best carriers in the nation.


Renters

Landlord

Vacant

Mobile Home

Additional Add-Ons

In addition to your base policy, we also offer many endorsements in Ohio and Kentucky to further customize and enhance you coverage.  Listed below is a list of our most common coverage. If you don't see a specific coverage that you are interested in, feel free to give us a call at  440.324.3732  or contact us via email. We want to work with you and for you to ensure that you find the best home insurance for your unique situation.
  • Water/Sewer Back up: This coverage provides protection from water seeping up from sewers and drains.
  • Mold/Fungi:  This coverage is to remove mold or fungi from contaminated areas and in addition may also pay for the cost of testing of air or property to confirm the absence of fungi wet or dry rot.
  • Identity Theft:  This coverage is to protect against Identity theft which encompasses card theft as well as fraudulent use of personal information to obtain and use credit and higher limits of credit.​
If you own anything of high value, you may want to consider listing it on your policy as scheduled personal property. This includes, but is not limited to, jewelry, guns, musical instruments, fine art, or collectibles. Standard policies have limitations for high-value items.  If you have a high-value item, please call us with your appraisal and photos. We can also refer you to some experts in Ohio and Kentucky if you don't already have an idea of the value of your items.

"My family and I have been client's of Bob's for decades. Cobos Insurance does a great job managing my home, car, life and business policies.  It's nice to only need to make 1 call to handle my insurance.  I would recommend Bob and Cobos Insurance to anyone!"
Andy, Amherst

Commonly Asked Questions

What is a homeowners insurance deductible?
Your deductible is the amount that you must pay out of pocket before an insurer will pay for any damages.
What is the difference between market value, appraisal value, and replacement cost?
  • Market Value is the price the property would sell for in a fair sale on a competitive and open market.
  • Appraisal value is the value of a parcel of a property as determined by a qualified appraiser. Appraisal reports are written for various purposes such as: insurance, home loans, tax loss, estates, liquidations, and net worth.
  • Replacement cost is the rebuilding cost necessary to repair or replace the home.
What is liability coverage on my home insurance policy?
The personal liability coverage provides coverage for bodily injury and property damage sustained by others for which you or your family members are legally responsible.
Does my homeowners cover a non-working vehicle I store in my garage?
No, a homeowners policy will not cover a vehicle, ATV, snowmobile, jet ski, or boat working or otherwise.
what is personal property coverage?
Personal property is all your "stuff" in your house.  Standard policies provide automatic depreciated coverage, but for a nominal amount you can update to replacement cost.  If you have any high-value items, such as jewelry, furs, antiques, or collectibles, be sure to consult your agent, as there are limits to the amount of coverage allowed.
If my house is vacant, can it still be covered on my current home or condo policy?
No, vacant properties are not covered on your standard home or condo policy.  You must obtain a specialty vacancy policy.  You must notify your agent within 30 days of vacating a property