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News from Mosher

Dogs & Homeowners Insurance…

Dogs & Homeowners Insurance…

SOUND POLICY 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...

Does your insurance carrier have an APP?

Does your insurance carrier have an APP?

SOUND POLICY 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...

Term VS Whole Life Insurance

Term VS Whole Life Insurance

SOUND POLICY 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...

Independent VS Captive Insurance Agency

Independent VS Captive Insurance Agency

SOUND POLICY 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...

What is gap insurance?

What is gap insurance?

SOUND POLICY 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...

Have a new teen driver?

Have a new teen driver?

SOUND POLICY What insurance do I need when my teen gets their temps? Your teen has probably been counting down the days until they start driving. As a parent, you may be excited, nervous, or even stressed. You may also wonder what that means for your auto policy. We...

My retaining wall fell over!

My retaining wall fell over!

SOUND POLICY: Is my retaining wall covered We get a lot of questions asking whether certain things are covered under certain policies. Like this one about what is covered under homeowners insurance: is your retaining wall covered if it falls over? The answer really...

Indoor Water Damage

Indoor Water Damage

SOUND POLICY: Water claims in your home are no joke. But what is covered and what isn’t? Here are some of the calls we get about water damage:- “I had the kids in the tub and forgot to shut that water off. The water ran over and into thebasement. Now the drywall is...

Firework Damage?

Firework Damage?

SOUND POLICY Is damage from fireworks covered?​Fireworks. They’re lots of fun! But first and foremost, remember - no kids should have or use fireworks unsupervised. Each year over 18,500 fires are started by fireworks which causes over $43 billion worth of property...

How do claims get disbursed?

How do claims get disbursed?

Sound Policy: How do claims get disbursed? One common question we get at Mosher & Associates is the process of claims getting paid, most specifically, those for homes and personal property. Let’s use the example of the roof of your home. In this scenario, after a...

Renting a Car?

Renting a Car?

Sound Policy: Do I need the insurance the car rental service is trying to sell me? There is one question we get all the time - if you’re going on vacation and rent a car, do you need to buy the insurance they sell at the counter? Not necessarily. If you have full...

Are umbrellas only for rainy days?

Are umbrellas only for rainy days?

Sound Policy: Are umbrellas only for rainy days? Umbrellas are great for keeping you dry during rainy days, but they can also help protect you in other ways. There are two main reasons why you may need an umbrella policy. First, an um- brella policy can help protect...

A Tree Falls…

A Tree Falls…

Sound Policy: A tree from the neighbor's yard fell on our garage - Who is responsible? Trees are great! They provide nice shade in the summer, and beautiful leaves in autumn. Kids spend their days climbing them, and is there anything better than relaxing in a hammock...

Mosher & Associates COVID 19 Update

Mosher & Associates COVID 19 Update

We’re in unprecedented times as the world seeks to limit the impact of COVID-19. Much of the world has shut down in an effort to keep communities safe and minimize spread of the virus. As we respond to this pandemic, it’s important remember the difference between...