Mosher & Associates Insurance Services - Monroe
318 E Milwaukee Street, Argyle, WI 53504
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Argyle households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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318 E Milwaukee Street, Argyle, WI 53504
View this agency's profile to learn more about their services.
409 E Milwaukee St, Argyle, WI 53504
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Argyle residents.
Argyle home insurance averages $1,498/year but luxury properties pay more. Learn about tornado coverage, wind/hail deductibles, and protecting ranch estates.
Car InsuranceComplete guide to auto insurance in Argyle, TX. Learn about Texas's 30/60/25 requirements, I-35W risks, and how to get the right coverage for less.
General Insurance EducationArgyle's $975K median home price and equestrian culture demand specialized insurance. Learn farm coverage, hail protection, and liability needs for ranch properties.
Argyle's average premium of $1,498 reflects the community's lower crime rates, excellent fire protection services, and strong building codes compared to larger Texas cities. However, this average includes smaller homes—luxury properties and ranch estates with higher dwelling values will pay significantly more, often $2,500-5,000 or above annually depending on coverage limits and home features.
Wind and hail coverage is included in standard Texas homeowners policies, but it comes with a separate percentage deductible (typically 1-5% of your dwelling coverage). You can't exclude this coverage if you have a mortgage, and even without a mortgage, it's essential in Argyle given the area's very high tornado risk and frequent severe storms with large hail.
Guaranteed replacement cost will rebuild your home regardless of cost, even if expenses exceed your dwelling limit—critical protection if construction costs spike. Extended replacement cost provides a set percentage above your dwelling limit (typically 125-150%), offering good protection at lower premiums. For custom homes or rapidly appreciating properties, guaranteed replacement cost provides more comprehensive protection.
Even though much of Argyle isn't in designated flood zones, recent flooding events buckled roads and damaged homes in 2025. A separate flood policy through NFIP or private insurers typically costs $400-600 annually for properties outside high-risk zones—relatively affordable protection given the area's occasional severe flooding from heavy storms.
Impact-resistant roofing qualifies for significant discounts (10-30%) and protects against hail damage. Security systems, monitored fire alarms, higher deductibles, and bundling with auto insurance also reduce premiums. Maintaining a claim-free record for five years typically qualifies for additional discounts. Shop multiple insurers—rates vary widely for the same coverage.
Yes, if you have barns, stables, workshops, or other substantial detached structures. Standard policies include "other structures" coverage at 10% of your dwelling limit, which may be insufficient for custom agricultural buildings. You can increase this limit for additional premium. Livestock, farm equipment, and business operations may require separate policies beyond homeowners coverage.
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