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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Before you jump in your pool, make sure it's actually safe. Here's what you need to do:✔️ Build a fence or cover.A fence...
06/16/2026

Before you jump in your pool, make sure it's actually safe. Here's what you need to do:

✔️ Build a fence or cover.
A fence around the pool keeps kids, animals, and unsupervised swimmers out. It should be at least 5 feet high, self-closing, self-latching, and open away from the pool. If you have a deck, add a locked gate. When the pool isn't in use for extended periods, use a cover.

✔️Light up the area.
Make sure you can see what's going on in and around the pool, especially at night. Good lighting helps you spot problems before they happen.

✔️Consider an alarm or camera.
Motion sensor alarms and cameras monitor the pool area when you're not looking. They alert you if someone's entering the pool area unexpectedly. Research what works best for your setup.

✔️Get CPR certified.
This is non-negotiable if you have a pool. Take a class. Get certified. Know what to do in an emergency.

✔️Secure your chemicals and equipment.
Pool chemicals and equipment go in a shed, garage, or designated storage area away from the pool. Keep them out of reach. If you have an above-ground pool, remove the ladder when it's not in use.

✔️Set clear pool rules.
Everyone needs to know the expectations. No diving in the shallow end. Life vests for kids and weak swimmers. No swimming without an adult. No running on deck. Make the rules simple so everyone understands.

Pools are amazing. But they demand attention. A few safety measures now mean everyone gets to enjoy the water without worry.

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Road trips are supposed to be fun and relaxing. But if you're not organized, you'll spend the whole time digging through...
06/09/2026

Road trips are supposed to be fun and relaxing. But if you're not organized, you'll spend the whole time digging through a pile of stuff looking for what you need.

Here are road trip packing tips to stay organized:

1️⃣ Start with a clean slate. Remove the clutter, vacuum, and wipe down the windows. You'll have more space for what actually matters.

2️⃣ If you need extra space, roof racks are your friend. They're great for luggage, bikes, kayaks, or cargo boxes. Just check your vehicle's weight limits before loading up.

3️⃣ Put the things you'll need most (snacks, drinks, chargers, pillows) within easy reach up front. Tuck away the stuff you won't need until you arrive in the back. This saves you from constant digging and unnecessary stops.

4️⃣ This is the big one. Only bring what you actually need. If you're stopping for one night, pack a small bag separate from your big suitcase. You don't need to haul everything for a quick overnight.

5️⃣ Keep a few plastic bags under the seat. Use them for trash as you go. They're also great for separating clean clothes from dirty ones, so everything doesn't get jumbled together.

An organized car makes the whole trip better. You know where everything is, you're not stressed, and you can actually enjoy the drive.

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Before you hit the road, make sure your auto insurance is up to date. You want proper coverage, especially on long trips. Stop by or call us at (608) 325-2111 to review your policy.

Your sump pump moves excess water away from your foundation before it becomes a major problem. But if it stops working, ...
06/04/2026

Your sump pump moves excess water away from your foundation before it becomes a major problem. But if it stops working, water gets in, mold grows, and you've got a mess on your hands.

Here's how to test it:
1️⃣ Start by checking the area around your pump's foundation. Make sure water (if any) is being directed away from the house. Clear out any debris, rubbish, or anything that might clog the system.

2️⃣ Find the two cords: the pump cord and the float cord. Unplug both, then plug in only the pump cord. You should hear the motor start running. That's a good sign. Unplug it and reconnect both cords.

3️⃣ Fill the pump's pit with water to see if it drains correctly. The water should make the float rise and activate the pump. Once it's drained, the pump should turn off automatically.

If something doesn't work. Don't wait. Call a plumber right away. You want this system ready before the heavy rains hit, not during them.

A working sump pump is one of the best investments in your home's protection. Test it now. Ten minutes of testing beats weeks of dealing with water damage.
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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.

• • •

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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