Homeowners Insurance
Because thunderstorms and thieves never rest


Homeowners Insurance Quote Form


At Cobos Insurance we provide both property and liability coverage for the following:

  • Primary Home
  • Secondary Homes
  • Vacation Homes
  • Vacant Homes
  • Mobile Homes

If you're anything like us here at Cobos Insurance, you wait until the last minute to do your shopping. If you waited until the last minute to do your home owners insurance shopping, fear not! We are here to help you and do the shopping for you! We are an independent insurance agency located in the Cleveland, Ohio area, which means that we work with some of the best insurance companies in the industry and specifically the companies that offer some of the best insurance rates in Ohio and Kentucky. We are able to shop with multiple companies to find you the best home owner's insurance rates for your unique situation. We know that not every home is created equal, so it is important to find the insurance policy that best fits your needs, in fact we can help customize a policy specifically for you! 

Insurance on home policies provide property damage to the home in the event of a loss.  We can insure homes at either market value or replacement cost up to 3 million dollars.  In addition to property damage, our policies offer liability coverage for the insured in the event they are held liable for bodily injury or property damage.  We even over umbrella policies for those looking for a little extra coverage.

Is there anything not covered? Yes, most common policy exclusions includes but not limited to, Restricted Dogs,  flood, earthquakes, seepage, cracked foundations and routine maintenance issues are not covered.  Many coverages must be added to the policy to ensure coverage.  Talk to us here at Cobos Insurance in Elyria, Ohio about specific coverage concerns. We are more than happy and able to help you in your search for home owners insurance in Ohio or Kentucky. 


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 are a list of our most common coverages. If you don't see a specific coverage that you are interested in, feel free to give us a call at  440.233.6199  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 - Coverage to remove mold or fungi from contaminated areas, in additional may also pay for the cost of testing of air or property to confirm the absence of fungi wet or dry rot.
  • Identity theft- Coverage 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 not limited to, jewelry, guns, musical instruments, fine arts, 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. 

Homeowners Insurance Quote Form

What info do I need to obtain a home insurance quote?

  • Address of property
  • Insured person’s name, DOB and SSN
  • Year of updates for your roof, wiring, plumbing and furnace

Frequently Asked Questions:

Q. What is a homeowners insurance deductible? 
A. The deductible is the amount of expenses that must be paid out of pocket before an insurer will pay any expenses.


Q. What is the difference between market value, appraisal value and replacement cost? 
A. 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 property as determined by a qualified appraiser. Appraisal reports are written for various purposes such as: insurance, home loans, tax loss, estates, liquidation and net worth. So the market value and appraised value can vary somewhat depending on the purpose of the appraisal and who performed it.  Replacement cost is the rebuilding cost necessary to repair or replace the entire home.


Q. What is liability coverage on my home insurance policy?   
A. 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. 


Q. Does my homeowners cover a non-working vehicle I store in my garage? 
A. No, a homeowner’s policy will not cover a vehicle, ATV, snowmobile or jet ski or motor boat, working or otherwise.


Q. 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.

Q. What is personal property coverage?
A. Personal property is all your “stuff” in your house.  Standard policies provide automatic depreciated coverage, but for a nominal amount you can upgrade to replacement cost.  If you have any high value item, jewelry, furs, antiques, collectibles be sure to consult your agent, as there are limits to the amount of coverage allowed.

Thank you for your interest in Cobos Insurance, if you have questions or would like to speak with one of our insurance professionals call us at our office in Elyria, Ohio just dial 440.233.6199  or contact us via email. We know that finding the right Ohio home insurance isn't always the easiest thing to do, and we also know that your time is limited, that's why we are here to help and that's why it's important to work with a trusted, local, independent insurance agency. 

                                                                                                                            Homeowners Insurance Quote Form
Proudly serving Ohio and Kentucky, especially the local communities of Elyria, Lorain, Medina, Avon Lake, Avon, Sheffield, Vermilion, Wakeman, Westlake, Rocky River, and North Ridgeville.