Mosher & Associates Insurance Services

Mosher & Associates Insurance Services We are a full-service insurance agency specializing in personal & commercial lines. Facebook is a third-party entity unaffiliated with Dave Mosher & associates.
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Whether you're hauling a boat to the lake, moving furniture, or taking the camper out for a weekend, towing changes how ...
06/02/2026

Whether you're hauling a boat to the lake, moving furniture, or taking the camper out for a weekend, towing changes how your vehicle behaves.

The biggest dangers:

➡️ Trailer sway
Wind, drafting from big trucks, or a quick steering move can cause your trailer to start swaying side-to-side. If you don't correct it immediately, you lose control completely.

How to stay safe:
Make sure your tongue weight is about 10-15% of your total trailer weight. Too little weight on the hitch causes instability.

➡️ Braking problems
The extra weight behind your vehicle means your brakes have to work harder to stop. If you brake too suddenly, the trailer can push against your vehicle, and you lose control.

How to stay safe:
Install a trailer brake controller. It's an electronic device that synchronizes the trailer's braking with your vehicle's braking. It's not optional if you're towing regularly.

➡️ Blind spots
Your trailer adds a lot of length to your vehicle, creating blind spots along the sides. Most collisions happen because drivers forget their turning radius is now massive.

How to stay safe:
Adjust your side mirrors to see the full length of the trailer. Use your signals early. Practice turns in an empty parking lot. Plan routes that avoid tight corners.

➡️ Tire blowouts
Trailers sit for months and can develop dry-rotted tires and seized bearings. A tire blowout while towing at highway speeds can flip the whole trailer.

How to stay safe:
Check your trailer tires before every trip. Look for cracks, dry rot, bulging, or uneven wear. Keep an emergency kit handy (jack, lug wrench, flashlight, triangles).

➡️ Most homeowners and auto policies don't automatically cover trailers. You'll need to add an endorsement to cover theft, fire, or collision damage to your trailer.

Safe towing is about proper equipment, attention, and the right coverage. Take your time, stay alert, and make sure you're insured.

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Your auto insurance premium isn't random. It's built from a mix of factors, some you control and some you don't.Here's h...
05/28/2026

Your auto insurance premium isn't random. It's built from a mix of factors, some you control and some you don't.

Here's how to know the difference.

What YOU can control:
✅ Your coverage limits and deductible. A higher deductible usually means a lower monthly premium.

✅ The car you drive. Simpler, less expensive vehicles generally cost less to insure.

✅ Your driving record. Tickets and accidents can raise your rates by 30–50%.

✅ Your claims history. Frequency matters, not just severity.

What you can't change (but should plan around):
❌ Your age. Drivers under 25 typically pay more due to limited experience.

❌ Where you live. Urban areas with higher theft and accident rates tend to have higher premiums.

❌ Rising repair costs. As inflation drives up parts and labor, premiums follow.

❌ Credit-based pricing. Many states allow insurers to factor in your credit history.

You can't control your birthday or the economy. But a clean driving record, the right coverage levels, and healthy credit? Those are yours to manage.

Review your policy once a year. Life changes, and your coverage should keep up.

Questions about your current rate? We're happy to take a look.

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This Memorial Day, we pause to honor the men and women who gave their lives in service to our country. Their sacrifice i...
05/25/2026

This Memorial Day, we pause to honor the men and women who gave their lives in service to our country. Their sacrifice is why we can gather with family, enjoy a day on the lake, and live in freedom.

We owe them everything. And we'll never forget.

• • •
Our offices are closed today. We'll be back tomorrow, Tuesday, May 26th.

Our offices will be closed for Memorial Day on Monday, May 25th, but we'll be back on Tuesday, May 26th.Have a safe and ...
05/22/2026

Our offices will be closed for Memorial Day on Monday, May 25th, but we'll be back on Tuesday, May 26th.

Have a safe and happy Memorial Day weekend!

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Hitting the open road is one of the best feelings there is. But before you ride, make sure you're actually prepared. ✔️ ...
05/21/2026

Hitting the open road is one of the best feelings there is. But before you ride, make sure you're actually prepared.

✔️ Before every ride, check your lights, mirrors, brakes, tires, and horn. It takes two minutes and could save your life.

✔️ If rain is in the forecast, adjust your riding. Slow down on curves, brake gently, and watch for potholes and bumps. Wet roads are unforgiving.

✔️ Your helmet is non-negotiable. Full-length pants, reinforced jackets, and over-the-ankle boots create a barrier between you and the pavement.

✔️ Even experienced riders benefit from safety classes. Regular training refreshes basic techniques and teaches advanced maneuvers.

The best rides are the ones that bring you home safe.
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If you're itching to get back on the water, you're not alone. But before you launch, make sure your boat is actually rea...
05/18/2026

If you're itching to get back on the water, you're not alone. But before you launch, make sure your boat is actually ready.

Here's what you need to check:
1️⃣ Check your engine & mechanics.
✓ Check oil, coolant, and power-steering fluid levels.
✓ Make sure you have fuel (and the vent is open).
✓ Look for cracks or damage to the hull.
✓ Verify the propeller is secure and undamaged.
✓ Confirm the drain plug is in place (trust us, people forget).
✓ Inspect electrical wiring for weather damage.
✓ Test your battery (it powers everything).

2️⃣ Clean off your boat.
If your boat was covered all winter, a quick wash might be enough. But if there's real grime buildup, do it right: spray it down, use proper boat cleaner, rinse thoroughly, dry completely, and finish with wax or sealant.

A clean boat helps you spot potential problems before they become real problems.

3️⃣ Check your safety gear.
Make sure you have:
✓ Enough life vests for every passenger
✓ First aid kit, sunscreen, and bug repellent
✓ Fire extinguisher and flares
✓ Current registration, license, and up-to-date boat insurance

Most boating problems are preventable. An hour of prep work now means you can actually relax and enjoy the water instead of dealing with breakdowns or safety issues.

When's the last time you looked at your boat insurance? Let's make sure you're covered.

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One strong storm can bring down a healthy tree onto your roof, fence, car, or neighbor's property. So who's responsible?...
05/12/2026

One strong storm can bring down a healthy tree onto your roof, fence, car, or neighbor's property.

So who's responsible? And will insurance cover it?

The answer is it depends.

If a storm caused the tree to fall.
Your homeowners insurance typically covers damage to your home and structures from wind or storm damage, even if it's your neighbor's tree that fell.

If the tree was rotting or neglected.
If your neighbor's tree was already diseased, rotting, or on the verge of falling before the storm hit, they could be held responsible for the damage. Homeowners insurance excludes damages caused by negligence or lack of maintenance.

What to do if a tree falls?
1️⃣ Safely minimize further damage (tarp over roof, etc.).
2️⃣ Take photos from multiple angles.
3️⃣ Call your Insurance Agent right away. We'll explain your options, help you understand your coverage, and guide you through the claims process.
4️⃣ Wait for the claims adjuster to evaluate the damage before you hire someone to remove the tree.

Will insurance cover tree removal?
Depending on your policy, there may be coverage to help with the cost of removing the tree if it caused damage to an insured structure. This varies by policy, so it's important to review your coverage.

You can be held responsible if your tree falls due to your own neglect. Regular trimming and maintenance improve your tree's health and reduce risk.

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Happy Mother's Day 💐To the mothers, grandmothers, great-grandmothers, godmothers, stepmothers, mother figures, and mothe...
05/10/2026

Happy Mother's Day 💐

To the mothers, grandmothers, great-grandmothers, godmothers, stepmothers, mother figures, and mothers-to-be:

Thank you for everything you do, seen and unseen. For the endless love, the quiet sacrifices, the late nights, and early mornings. For teaching us, guiding us, and believing in us even when we didn't believe in ourselves.

Today we celebrate YOU. Not just for what you do, but for who you are. ❤️
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Life insurance is really about the people you love and the life you've built together. It's making sure that if somethin...
05/08/2026

Life insurance is really about the people you love and the life you've built together. It's making sure that if something happens to you, your family can stay in their home, your kids can still go to college, and the people who depend on you are taken care of.

It's not about thinking the worst. It's about planning for the best possible outcome for the people you care about most.

Here's what life insurance actually does:
✓ Replaces your income so your family can maintain their lifestyle.
✓ Pays off the mortgage so they can keep the house.
✓ Covers college tuition and future expenses.
✓ Provides immediate cash when they need it most.
✓ Gives you peace of mind knowing they'll be okay.

Most people are underinsured or have no coverage at all. And the longer you wait, the more expensive it gets.

Life insurance isn't about you. It's about everyone who depends on you.
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Someone hit your parked car. Now what? 🚗 Don't panic. Here's exactly what to do:1️⃣ Call the police.Get an official acci...
05/04/2026

Someone hit your parked car. Now what? 🚗 Don't panic. Here's exactly what to do:

1️⃣ Call the police.
Get an official accident report. You'll need this when filing your insurance claim. Get the officer's name and badge number.
If police won't come to the scene (because your car is still drivable), head to the station and file the report in person.

2️⃣ Document everything.
Take photos while you're still at the scene:
✔️Your damaged vehicle (multiple angles)
✔️Any debris or tire tracks
✔️Landmarks or signage showing the location
✔️Security cameras nearby (especially in parking lots ask for footage if available)

Note the time, location, and weather conditions too.

3️⃣ Call your insurance company.
Contact us while the details are still fresh. We'll walk you through the claims process and tell you exactly what comes next.

Did they leave a note?
If the other driver left their contact information, share those details with both the police and your insurer. We'll handle everything directly with their insurance company.

No note? That's a hit-and-run.
If the driver fled without leaving information, this becomes a hit-and-run case with different legal penalties.

Will your insurance cover it? You'll pay your deductible, and coverage is subject to your policy limits.
➡️ Collision Coverage helps pay for repairs regardless of who was at fault.
➡️ Uninsured Motorist Coverage may help if the other driver was uninsured or fled the scene.

Accidents happen. Coming out to a damaged car is frustrating and stressful. But knowing what to do in the moment makes all the difference, and we're here to help you through it.

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Address

127 W 8th Street
Monroe, WI
53566

Opening Hours

Monday 7:30am - 5pm
Tuesday 7:30am - 5pm
Wednesday 7:30am - 5pm
Thursday 7:30am - 4:30pm
Friday 7:30am - 12pm

Telephone

+16083252111

Website

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