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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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Your family’s probably planning to carve pumpkins this weekend. Here’s how to do it without ending up in urgent care.➡️ ...
10/19/2026

Your family’s probably planning to carve pumpkins this weekend. Here’s how to do it without ending up in urgent care.

➡️ Use an actual carving kit, not kitchen knives. They’re sharper, easier to control, and way less likely to slip.

➡️ Carve with the top on for better stability. Gives you something to hold so it doesn’t roll around.

➡️ Keep your carving area well-lit and tidy. You need to see what you’re doing.

➡️ Kids want to help? Let them design it. You do the cutting.

➡️ Have a first aid kit nearby. Carving knives are sharp.

➡️ Don’t carve too soon. Your masterpiece only lasts 3-5 days. Time it right so it looks best on Halloween.

➡️ Planning ahead? Sketch your design first. Saves you from ruining a perfectly good pumpkin.

➡️ Want it to last longer? Store it somewhere cool, like the fridge or a chilly garage.

Ready to turn your gourd into a work of art? Have fun. Just keep it safe.

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When’s the last time you checked your tire pressure? 🚗 If the answer is “when the light came on,” you’re not alone. Most...
10/16/2026

When’s the last time you checked your tire pressure? 🚗 If the answer is “when the light came on,” you’re not alone. Most of us wait for that warning. But by then you may have been driving on unsafe tires for weeks.

Too much air stiffens tires and reduces grip. Overinflated tires can mean:
➡️ Less control, especially on wet roads
➡️ More damage from potholes and debris
➡️ A higher risk of blowouts

Too little air is even riskier. Underinflated tires can lead to:
➡️ Tread wearing out faster
➡️ Worse gas mileage
➡️ Poor handling
➡️ More tire damage

What can you do?
1️⃣ Find your recommended PSI on the driver’s door jamb or in your owner’s manual (not on the tire itself).
2️⃣ Check before driving while tires are cold.
3️⃣ Use a good digital or dial gauge.
4️⃣ Add or release air as needed.
5️⃣ Repeat monthly, or weekly once winter hits.

Good to know: a reading 2 to 6 PSI higher after driving is normal. Warm tires mean higher pressure.

Five minutes a month helps your tires last longer, saves you money at the pump, and keeps you safer as roads get colder.
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October is National Car Care Month, a reminder to do that car maintenance we've been putting off. And while it still fee...
10/13/2026

October is National Car Care Month, a reminder to do that car maintenance we've been putting off. And while it still feels like summer, we all know how unpredictable Wisconsin weather can be.

Here’s your October to-do list for a winter-ready vehicle:

✔️ Check your tires. Cold weather drops tire pressure as the air contracts. Check it regularly and keep it at the right PSI (check your doorjamb or owner's manual).
✔️ Get your batteries tested now before you're stuck in a parking lot trying to get jumper cables from a stranger at dawn.
✔️ Replace your wiper blades if they’re streaky. You need to actually see in a snowstorm.
✔️ Test your heater and defroster before you actually need them.
✔️ Make sure all your lights work (headlights, brake lights, turn signals).
✔️ Listen to your brakes. Hearing weird noises? Pedal feels off? Get it checked. Ignoring this is how small problems become expensive problems.
✔️ Put together an emergency kit. Pack blankets, extra clothes, snacks, water, a shovel, sand or salt, jumper cables, and a phone charger. You’ll probably never need it. But if you do, you’ll be glad you have it.

You can’t predict Wisconsin winter. But you can prepare your car for it. Spend a Saturday afternoon on maintenance now. And you’ll feel ready for whatever comes.

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Deer season isn't just for hunters. 🦌 From October to December, deer are on the move and less predictable than usual. Da...
10/07/2026

Deer season isn't just for hunters. 🦌 From October to December, deer are on the move and less predictable than usual. Dawn and dusk are the riskiest times, which happen to line up with most commutes.

A few habits that help:
1️⃣ Spot one deer? Slow down. More are probably close by.
2️⃣ It may be tempting to swerve, but swerving often leads to worse accidents. Instead, brake firmly but stay in your lane.
3️⃣ If traffic allows, using your high beams can help you spot deer sooner. Those extra seconds can make all the difference!
4️⃣ A long blast of your horn may scare deer off the road. It doesn't always work, but it's worth a try.

If you hit a deer, stay calm and keep a safe distance. If it’s safe, move your car off the road and call the police. Even the best drivers can find themselves in this situation.

Deer collisions typically fall under comprehensive coverage, not collision coverage. If you're unsure about the coverage you have, now is a good time to review it. Stay alert and drive safely!

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We love the beautiful leaves and crisp weather fall brings, but it can also bring hidden road-safety dangers. 1️⃣ Rain a...
10/02/2026

We love the beautiful leaves and crisp weather fall brings, but it can also bring hidden road-safety dangers.

1️⃣ Rain and fallen leaves can make roads unexpectedly slick. Remember to ease off the gas, grip the wheel firmly, and steer gently if you start hydroplaning.

Quick tip: Try the penny test on your tires. If Lincoln's whole head is visible, it's time to start shopping for new tires.

2️⃣ October through January marks peak deer season. Stay alert, especially during dawn and dusk, when deer are most active. Be especially cautious on rural roads, and don’t hesitate to use your high beams when safe to do so.

3️⃣ There is increased foot traffic around school zones with school back in session. With more buses and parents rushing to drop off their kids, slow down and watch for children.

4️⃣ The earlier sunsets often have you driving straight into the sun. Keep a pair of sunglasses handy and don't hesitate to use your visor. Sun glare can contribute to more accidents than you might realize.

5️⃣ Cold mornings often lead to fog (especially near water). When driving in foggy conditions, use your low beams instead of high beams, as high beams can reflect and worsen visibility.

Prevention is always better than dealing with an accident later.
• • •

Fatal crashes are more likely to happen at night. The reason? Visibility. You can't see as much of the road, you have le...
09/29/2026

Fatal crashes are more likely to happen at night. The reason? Visibility. You can't see as much of the road, you have less time to react, and riskier drivers are on the road.

Here's how to stay safe after sundown:
1️⃣ Drive defensively. Stay alert and assume other drivers might be impaired.
2️⃣ Drowsy driving crashes happen most between midnight and 6 a.m. If you're tired, pull over.
3️⃣ Dirt and cracks scatter light and make glare worse. Clean your windshield regularly and repair any damage.
4️⃣ Slow down. Darkness reduces visibility and shortens reaction time.
5️⃣ Look down and to the right instead of staring at oncoming headlights. Use the road edge as a guide.
6️⃣ Bright dashboard lights mess with your vision. Dim them so you can see the controls without getting distracted.
7️⃣ Make sure your headlights are working and angled correctly. Same with taillights.
8️⃣ Walkers and joggers blend into the dark. Stay alert, especially on poorly-lit roads.
9️⃣ High beams are great on open roads, but turn them off within 500 feet of oncoming traffic. Never use them when following another car.
🔟 Deer are most active at dusk and dawn. Scan the shoulders for glowing eyes.

Nighttime driving is dangerous, but you can stay safe with focus and caution.

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Fall's here, and it's time to give your home a cozy autumn touch 🍂 1️⃣ Highlight your front door by adding a wreath or v...
09/25/2026

Fall's here, and it's time to give your home a cozy autumn touch 🍂

1️⃣ Highlight your front door by adding a wreath or vibrant fall flowers.

2️⃣ Clear out your gutters and downspouts to prevent water damage.

3️⃣ Raking up leaves and patching any bare spots keep your lawn in top shape.

•••

Car seats save lives. But they only work if you use them correctly. Keeping your kid safe in the car starts with getting...
09/22/2026

Car seats save lives. But they only work if you use them correctly. Keeping your kid safe in the car starts with getting these five things right.

1️⃣ Check that the harness straps are tight and snug. Only one finger fits underneath. The clip goes at armpit level. If you can pinch the strap without it wrinkling, tighten it.

2️⃣ Keep them rear-facing until ready. Wait until they reach the seat's weight and height limit. Rear-facing keeps their head and neck protected in a crash. That matters more than them seeing out the window.

3️⃣ Make sure the car seat is secure. Do the inch test. Grab the base and pull. It shouldn't move more than an inch in any direction. Tighten it if it does.

4️⃣ Remove winter coats before buckling. Puffy coats create space between your kid and the straps. Put the coat on backward or take it off before you buckle them in. Then throw a blanket over them.

5️⃣ Angle the car seat correctly. Look at the indicator on the seat. Follow it. Too upright and their head flops forward. Too low and it's risky in a crash.

As with all things parenting, we learn as we go. Learning how to use your child’s car seat is just another item on the list!

• • •

Fall maintenance isn't glamorous, but it beats dealing with a broken furnace in January. Don't wait until something brea...
09/18/2026

Fall maintenance isn't glamorous, but it beats dealing with a broken furnace in January.

Don't wait until something breaks. September is the time to check your plumbing, HVAC, and electrical systems to make sure they're in good shape.

1️⃣ Plumbing
Set your hot water heater to 120 degrees or less. Before winter, disconnect hoses and shut off the water valve to prevent frozen pipes. Insulate pipes that are on external walls or don't get heat. Leave cabinet doors open so residual heat protects them. If you're not comfortable doing this, call a plumber.

2️⃣ HVAC
Rotate ceiling fan blades to clockwise mode for cooler months. Clear debris from outdoor units. Caulk and seal any openings around windows or cracks. Air escaping means your system works harder when temperatures drop.

Have professional maintenance done now (fall is the best time before you need constant heat). Replace air filters as needed. Adjust your thermostat to use less energy when you're away.

3️⃣ Electrical
Replace burned-out bulbs with the correct wattage. Check outlets and plugs for compatibility. Test your circuit breaker. Keep appliances away from water. Look for any damaged cords or exposed wires and replace them.

Your home's systems run 24/7. Fall maintenance isn't glamorous, but it beats dealing with frozen pipes or a broken furnace in the middle of winter.

•••

Have you taken a moment to check the exterior of your home? The harsh Midwest winter can cause damage that, if left unad...
09/15/2026

Have you taken a moment to check the exterior of your home? The harsh Midwest winter can cause damage that, if left unaddressed now, will lead to bigger issues down the road.

1️⃣ Clean your gutters. Leaves and debris buildup leads to wood rot and pest problems. Check that water drains properly and doesn't pool. In winter, pooling water becomes ice dams on your roof. Make sure those support brackets are secure too.

2️⃣ Inspect your fireplace and chimney. Before you light that first fire, have a professional inspect and clean your chimney. A dirty chimney is a fire hazard and fills your home with smoke and soot. Do this annually. Test the flue seal when closed. Clean out any ashes and dust.

3️⃣ Get your furnace ready. Replace the filter. Have a heating professional inspect your system to catch small problems before they become expensive repairs. Clean your ducts to improve efficiency and reduce dust circulating through your home.

4️⃣ Check your trees. Look for damaged limbs that could break or hang too close to power lines or your roof.

5️⃣ Fix concrete and asphalt now. Cracks in your driveway and sidewalks get worse through freeze-thaw cycles. A small crack now becomes a major repair in spring. Take care of it now.

Your home takes a beating through the seasons. A few hours of maintenance now prevents thousands in damage later.

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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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