Land O'Lakes sits at the very top of Wisconsin — a border community where Vilas County meets the Upper Peninsula of Michigan, at the gateway to the Sylvania Wilderness and the Cisco Chain of Lakes. It's one of Wisconsin's most remote and cherished Northwoods destinations — and it comes with the kind of coverage complexity you only get on a state line. Lake homes on a chain that straddles two states, watercraft used in both Wisconsin and Michigan waters, snowmobiles and ATVs on trails that cross the border, and the seasonal-vacancy reality of remote second-home ownership all need policies that explicitly account for where you live, where you visit, and where you put the boat in. Mangold is licensed across the United States, shops 100+ carriers, and writes Northwoods programs that follow you across the line — proper replacement cost on legacy log homes, dock and boathouse damage from ice and storms, watercraft and recreational liability, distance-from-fire-protection rates, and vacant-property provisions that match how the place actually gets used.
We take the time to thoroughly evaluate your needs
No obligation. 100+ carriers. We work for you.
Land O'Lakes sits at the Wisconsin-Michigan border — which creates specific coverage questions that take dual-state knowledge to answer right. Property that straddles state lines, recreational activities that cross into Michigan, and the valuation challenges of remote, high-value Northwoods real estate all need an agent licensed for both states who actually understands this territory.
The Cisco Chain of Lakes, Sylvania Wilderness access, and the snowmobile crossroads character of Land O'Lakes draw serious property investors — people who buy here and hold for generations. We build programs that reflect long-term ownership: proper replacement cost valuations, watercraft coverage for serious boaters, snowmobile programs for a community that lives on the trails, and vacation rental coverage for owners who offset costs with seasonal rentals.
"I really appreciate the customer service that I receive each time I call with a need or question. Mangold Insurance has consistently been a wonderful business in our community! Tina and Krista have been especially helpful to our family!"
— Jane Carson · Google review
"Thanks, Krista, for great service with our insurance. While in NYC our home flooded and I couldn't believe that the rep from our carrier called before we even got out of New Jersey. Very pleased with the service."
— Susan Moe · Facebook review
Lake homes, watercraft, recreational vehicles, and vacation rentals — one independent agency with 100+ carriers covers all of it.
High-value Northwoods properties need coverage built for seasonal vacancy, waterfront structures, and the replacement costs of Vilas County real estate. Standard homeowners policies fall short here.
Boats, jet skis, pontoons, snowmobiles, ATVs, and UTVs — the full Northwoods recreational picture. We write coverage for all of it, on the water and on the trails.
Short-term rentals on Airbnb or VRBO change your coverage needs significantly. Standard homeowners policies exclude paying guests. We write proper vacation rental programs for Northwoods properties.
Mangold covers lake communities throughout Vilas and Oneida counties — and Northwoods property owners across Wisconsin who want a real independent agency.
No pressure, no obligation. We take the time to thoroughly evaluate your needs — then shop 100+ carriers for the right Northwoods coverage.