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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School's starting. Work's crazy. Your kids need you at games, plays, volunteering, fundraisers. You're already exhausted...
09/02/2026

School's starting. Work's crazy. Your kids need you at games, plays, volunteering, fundraisers. You're already exhausted and stressed. Don't add guilt on top of it.

Some simple ways for working parents to stay connected without burning out:

1️⃣ You don't have to go to everything. Seriously. Pick 2-3 things that actually matter to your kids. Make those non-negotiable. Show up for those. Your kid will remember you being at their big game way more than they'll remember you at the bake sale.

2️⃣ Stop trying to do everything. Pick one cause or activity you actually care about. Do that with your kid. They'll get more out of seeing you genuinely there than watching you stressed and stretched thin everywhere else.

3️⃣ The real moments happen at home. Ten minutes of actual conversation with your teen. Bedtime stories. Morning coffee together. That's what they remember. Not the grand gestures. The daily stuff.

You're going to miss some things. You're going to feel guilty sometimes. That's being a working parent. It's normal. The best thing you can do is show up for what matters and stop pretending you can do it all.

You're doing fine. And we're here to make sure your family is protected while you're figuring it out.

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Most people think distracted driving just means texting. It's way more than that.There are three types of distractions.1...
08/28/2026

Most people think distracted driving just means texting. It's way more than that.

There are three types of distractions.
1️⃣ Anything that takes your eyes off the road. Texting. GPS. Checking on your kids in the rearview mirror.
2️⃣ Anything that makes you take your hands off the wheel. Texting. Eating. Reaching for something in your purse.
3️⃣ Anything that takes your mind off driving. Deep conversations with passengers. Thinking about text messages. Worrying about work or personal stuff.

Why is your phone so dangerous?
It combines all three at once. Eyes off the road, hands off the wheel, mind off driving. That's the triple threat.

Teen drivers are especially vulnerable because their phones are so important to them. If you have a teen driver, teach them good habits now. Make it a rule: Turn on "Do Not Disturb" mode the second they start driving.

Every distracted driving accident is preventable. Every single one. All you have to do is focus on the road and put the phone down.

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Teens are three times more likely to be in a fatal crash than drivers in their 30s and 40s. This isn't about judging you...
08/24/2026

Teens are three times more likely to be in a fatal crash than drivers in their 30s and 40s. This isn't about judging your kid. It's about acknowledging that inexperience plus developing judgment creates real risk.

What makes teen insurance so expensive?
1️⃣ Younger teens tend to be riskier drivers compared to older ones, leading to higher insurance costs.
2️⃣ Statistically, male teen drivers are more expensive to insure.
3️⃣ The type of car they drive can significantly impact your insurance budget.

What actually causes the crashes?
Distracted driving (mainly phones). Speeding. Impaired driving. Exhaustion. Teen drivers are twice as likely to crash when they're too tired to focus.

Smart ways to cut costs:
✔️ Many carriers will offer a "Good Student" Discount. Responsible students often translate to responsible drivers.
✔️ Enroll your student in defensive driving courses to demonstrate to insurers that you prioritize safety training.
✔️ Some companies offer a "Child Away without a Car" program. If your college student is living 100 miles or more from home and does not have a car, you may qualify for a discount.

Your teen is counting down the days until they start driving. You're feeling excited, nervous, and stressed. That's all normal. The best thing you can do is make sure they're protected with a policy that actually works for your family.

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School's almost back. So are the buses. 🚌 It takes a whole community to get kids there safely, and that starts with driv...
08/18/2026

School's almost back. So are the buses. 🚌 It takes a whole community to get kids there safely, and that starts with drivers. Here's what you need to know before you hit the road this season.

1️⃣ Yellow means slow down and prepare to stop. Red means stop, no exceptions, even if the stop arm doesn't extend. Some buses don't have one, or it may malfunction. When in doubt, stop.

2️⃣ Buses need up to two football fields of space to stop safely, plus extra room for wide turns. Build in that following distance so they have time to react.

3️⃣ If you can't see the driver's face in their mirror, they can't see you either. Buses have blind spots right below and in front of each mirror, and behind the rear bumper.

4️⃣ The most dangerous part of a child's bus ride is getting on and off, not the ride itself. Kids can be unpredictable, so stay alert and be ready for anything near a stopped bus.

5️⃣ It's easy to get frustrated behind a bus, but aggressive driving plays a role in over half of all fatal crashes. Take a breath. You'll get there, and so will the kids on board.

Failing to stop for a school bus isn't just risky. It's costly. Penalties can include fines, points on your license, higher insurance rates, and even license suspension or criminal charges.

Safe roads start with us. Slow down. Stop when it counts. Get them home safe. 🚌📚
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Your driveway's cracked. It started small, but now it's getting worse. But not all driveway cracks are the same. Some ar...
08/14/2026

Your driveway's cracked. It started small, but now it's getting worse. But not all driveway cracks are the same. Some are cosmetic, some are serious. You can fix it before it becomes a real problem and a big expense. Here's how to tell the difference and what to do about each one.

1️⃣ Small cracks. Clear out any old patch materials and debris. Clean the driveway and let it dry. Fill the cracks with flexible concrete filler. The flexible part matters, so it won't crack again when it freezes and thaws.

2️⃣ Big, deep cracks. These mean structural problems. You can patch them, but it's usually temporary. If your driveway is older or the cracks are really bad, call a professional. You might need to replace it.

3️⃣ Those spider web-looking cracks. Mostly cosmetic. Pressure wash it, apply a resurfacing product, squeegee it out. Work in small sections because it dries fast.

Pro Tips:
✔️ Only tackle repairs when dry weather is forecast, and the temperature is above 50°F.
✔️ Always wear protective gear: gloves, safety glasses, long sleeves, and pants.

A cracked driveway looks bad and hurts your home's value. It's also a tripping hazard. Deal with it now while it's still manageable.
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If your kid's school is close by, biking could be a great option. It gets them moving and gives them independence. But y...
08/11/2026

If your kid's school is close by, biking could be a great option. It gets them moving and gives them independence. But you need to make sure they're prepared first.

1️⃣ Teach them the route and practice it with them a few times. Show them where to cross, how to handle traffic, all of it. Don't let them go alone until they're confident they know the way.

2️⃣ Set clear rules. No biking in bad weather or when it's dark. Always use crosswalks. Stop at lights and stop signs. Look both ways before crossing. No riding with strangers. Ideally, they bike with a neighbor or older sibling.

3️⃣ Get them the right gear. A bike that fits properly, a helmet that actually fits their head, and bright colored clothing so drivers can see them.

4️⃣ Before school starts, check the tire pressure and make sure both brakes work. A well-maintained bike is safer and more reliable.

Not every kid is ready at the same age. Some are good to go at 10, some need more time. Only let them bike alone when you're confident they're actually ready.

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Heading to college? Don't forget about insurance. New place, new independence, new responsibilities. And insurance is pr...
08/07/2026

Heading to college? Don't forget about insurance.

New place, new independence, new responsibilities. And insurance is probably the last thing on your mind. But you don't want to find out too late that your stuff isn't covered.

If you're living in a dorm.
Your parents' homeowners insurance might cover some of your things. But watch out for those "off-premises" limits. They're usually only about 10% of the total coverage. Your laptop? All your clothes? Could need extra protection.

If you're getting an apartment.
Once you sign that lease, you're probably not covered under your parents' policy anymore. But renters insurance is cheap. We're talking about the same cost as a few coffees a month. And it covers your stuff plus gives you liability protection if someone gets hurt at your place.

Here's what you need to do.
Walk through your room. Write down everything you're taking to school. Add up what it would cost to replace everything. Then figure out what kind of coverage actually makes sense for you.

This isn't complicated. It just takes a few minutes. And it could save you thousands if something goes wrong.

Let us help you get the right coverage. Stop by or call us at (608) 325-2111 before you head out.

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Congrats, you just bought your first home! Along with the keys comes a whole new list of responsibilities, and one of th...
08/04/2026

Congrats, you just bought your first home! Along with the keys comes a whole new list of responsibilities, and one of the biggest is making sure it's properly covered.

What should every first-time homeowner know before choosing a policy?

✔️ Your lender requires proof of homeowners insurance before you can close, since they hold a lien on your home until it's paid off. Paying with cash? It's not required, but still smart to protect your investment.

✔️ As soon as you have an address, you can start comparing coverage and pricing. Bundling your auto and home policies with the same carrier can often save you money.

✔️ Check your personal property limit. This covers your belongings, clothes, electronics, furniture. Make sure the limit actually reflects what you own. A home inventory list makes this easy to gauge.

✔️ Every policy has things it doesn't cover, often things like flooding or landslides. Know what's excluded so you're not caught off guard later.

✔️ Know your deductible or what you pay out of pocket before your coverage kicks in. Make sure it fits your budget, not just your premium.

✔️ Don't confuse a home warranty with home insurance. A warranty covers mechanical breakdowns, like your furnace. Insurance covers damage and liability. They're not the same, and you may need both.

Buying a home is a big step. Having the right coverage means one less thing to worry about. Reach out to your Mosher agent. We'll help you find a policy that actually fits your new home.

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Moving day always brings one thing. Boxes. Lots of them. So where do you even start? We've got you covered with a few ti...
07/28/2026

Moving day always brings one thing. Boxes. Lots of them. So where do you even start? We've got you covered with a few tips to make unpacking easier.

1️⃣ Get your big items (furniture, appliances, area rugs) in place while everything's still out of the way. This gives you room to test out different layouts before you're boxed in (literally).
2️⃣ Label each box with the room it belongs to, or color code with sticky notes, so unloading is quick and you're not stuck deciding where things go on the spot.
3️⃣ You can't unpack everything at once, so start with the rooms you'll need most: bedrooms, bathrooms, and the kitchen. These get used daily, so they deserve first priority.
4️⃣ Moving is the perfect excuse to let go of what you don't use. Haven't touched it in a few months? It might be time to donate or toss it. Less to pack means less to unpack.
5️⃣ Unpacking can take weeks, sometimes longer. A realistic timeline for which rooms to tackle and when keeps you from bouncing between boxes and losing momentum.

New home, new memories, and maybe a little less clutter along the way. Wishing you a smooth move!

While you're settling in, it's a great time to start a home inventory list so we can make sure your coverage grows with your new place.

• • •

Sharing the road with large trucks doesn't have to be dangerous. With a little awareness and patience, we can create a s...
07/24/2026

Sharing the road with large trucks doesn't have to be dangerous. With a little awareness and patience, we can create a safer environment for everyone on the road.

How to stay safe:
1️⃣ If you can't see the truck driver in their side mirror, they can't see you. Blind spots around trucks are massive. Always position yourself where you're visible.

2️⃣ Trucks need more time and space for everything. Turning, accelerating, stopping. It's frustrating, but getting impatient won't change anything. Give them the room they need.

3️⃣ Tailgating a truck is a bad idea. They can't stop quickly, and you need space to react if something goes wrong. Keep a safe following distance. Your life could depend on it.

4️⃣ Don't merge back into their lane until you can see their headlights clearly in your rearview mirror. That means you're completely clear.

5️⃣ Put your phone down. Keep your eyes on the road. Distracted driving is dangerous enough around regular cars. Around trucks? It's deadly.

Truck drivers are professionals doing their best to get home safely, just like you.

Drive smart. Drive safe. We're all just trying to get home.

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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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