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Dogs & Homeowners Insurance…

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Why does the type of dog I have matter for my homeowner's insurance?

People are always asking us, “Why does my insurance ask what kind of dog I have?” It’s a great question that has a complex answer. Dog bites can cause significant injuries to kids and to other people, so your agent wants to make sure you don’t have a dog that has a bite history. Certain carriers have lists of dog breeds that they will not cover. In the state of Wisconsin there’s something called the Double Jeopardy law – if your dog bites someone and there’s damage awarded through liability, and then that dog bites someone again, the state of Wisconsin will double the award to the individual that was bitten. Insurance carriers are very cautious about dogs for this reason. As always, check with your insurance carrier to make sure you have the proper coverage.

Mosher & Associates isn’t just insurance. It’s insurance, personalized. With offices in Argyle, Evansville, Monroe, and New Glarus, our Team of Specialists is ready to provide you with the best coverage for your unique situation. Check out our Mosher Assessment Process (MAP) at mosherinsurance.com/map/ to see how we can help you. Answer a few simple questions and we’ll start you on the path to insurance, personalized.

Does your insurance carrier have an APP?

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What's the Mosher Mobile App all about?

We love using the Mosher Mobile App and are always excited to share it with our clients. The app functions as a 24-hour mobile agent in your pocket, with a lot of useful features. You can access your current ID card, make a claim, or request a policy change, all with your phone.

Primarily, people like to use it to find their ID cards. Imagine this scenario – you just got a new car and call your agent to let them know about it. As you’re driving home, you get pulled over for speeding. The police officer asks you for your ID card, but you don’t have it because it’s a brand-new vehicle. With our app, you can quickly access your information because your agent has already updated your information.

You can also make claims with the mobile app. Imagine another scenario where you hit a deer. Of course, you can always just give us a call and tell us about the accident to start the claim process, and that’s not a problem. But, you can also start the claims process yourself from the app. Making a claim is easy on the app – it allows you to take a picture of your vehicle’s damage, it automatically time-stamps the photo, and uses GPS to locate where the accident occurred.

A third popular function is the ability to request a change in policy. If you purchase a car at the dealership after-hours you do not have to wait until the next business day to make the call to your agent. You can update any information and request a change in auto policy right from the app.

At Mosher and Associates we know our job is to serve you. We also know everyone has their own way of connecting with us. If it’s the mobile app, by phone, or email – we’ve got you covered.

Mosher & Associates isn’t just insurance. It’s insurance, personalized. With offices in Argyle, Evansville, Monroe, and New Glarus, our Team of Specialists is ready to provide you with the best coverage for your unique situation. Check out our Mosher Assessment Process (MAP) at mosherinsurance.com/map/ to see how we can help you. Answer a few simple questions and we’ll start you on the path to insurance, personalized.

Term VS Whole Life Insurance

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What's the difference between term and whole life insurance?

Insurance can be something people have questions on. But it shouldn’t be confusing – that’s why we’re here to make it easy to navigate. One question that comes up frequently: What’s the difference between WHOLE life insurance and TERM life insurance.

The most basic and simple way to explain the difference is that term insurance ends, just as its name implies. You pay it every month or every year, and the only way it ever pays out is if the policy holder passes away.

Whole life insurance is permanent. It also acquires cash value, and as you build that value it can be used for something like a loan or education expenses. As always talk to your insurance carrier about life insurance or any questions you might have.

Mosher & Associates isn’t just insurance. It’s insurance, personalized. With offices in Argyle, Evansville, Monroe, and New Glarus, our Team of Specialists is ready to provide you with the best coverage for your unique situation. Check out our Mosher Assessment Process (MAP) at mosherinsurance.com/map/ to see how we can help you. Answer a few simple questions and we’ll start you on the path to insurance, personalized.

Independent VS Captive Insurance Agency

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What is the difference between an independent and captive insurance agency?

Independent and captive insurance agencies – what’s the difference? The easiest way to break it down is actually pretty straight-forward. A captive agency is one that has one carrier for all the policies they offer. Typically, those agencies have the name of the insurance carrier as their store front. For example, American Family, State Farm, and Rural Mutual – these are all captive agencies.

Independent insurance agencies tend to have a different name, often the name of the founder, owner, or location. Mosher & Associates is an independent agency as we offer policies from over 30 carriers. This wide variety of carriers allows us to completely personalize a policy for you to ensure you have exactly what you need. For example, you might own high end collectible automobiles – we have a special carrier for that. Maybe you have a lot of toys, like boats, jet skis, and ATVs – we have carriers that specialize in that. Perhaps you have a very unique or custom built home – we have carriers that specialize in that type of property.

Our agents make up a team of specialists. This allows them to focus on certain areas of coverage so that they are the experts. And when you have the experts finding personalized coverage for you, you can be sure you are getting the attention you deserve.

Mosher & Associates isn’t just insurance. It’s insurance, personalized. With offices in Argyle, Evansville, Monroe, and New Glarus, our Team of Specialists is ready to provide you with the best coverage for your unique situation. Check out our Mosher Assessment Process (MAP) at mosherinsurance.com/map/ to see how we can help you. Answer a few simple questions and we’ll start you on the path to insurance, personalized.

What is gap insurance?

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What is gap insurance?

Gap insurance – what a strange name. What does it even mean? Gap insurance is something that can help protect you when purchasing a new vehicle.

Let’s break it down:
– You just bought a car for $20,000 with a loan for $18,000.
– Two years later your vehicle is worth $12,000, but your loan is still worth $14,000. – But then, you get into an accident and it’s a total loss.
– In this case, your gap insurance goes into effect to cover that $2,000 difference. – This allows you to come out starting fresh, able to get another car loan.

As always, contact your agent to learn more about gap insurance or to answer any questions you may have.

Mosher & Associates isn’t just insurance. It’s insurance, personalized. With offices in Argyle, Evansville, Monroe, and New Glarus, our Team of Specialists is ready to provide you with the best coverage for your unique situation. Check out our Mosher Assessment Process (MAP) at mosherinsurance.com/map/ to see how we can help you. Answer a few simple questions and we’ll start you on the path to insurance, personalized.