Phelps is as remote as Wisconsin gets — a Vilas County township surrounding Lac Vieux Desert, the headwaters of the Wisconsin River, with some of the most pristine and undeveloped lakes in the state. Property owners here choose Phelps specifically for its quiet, undeveloped character — and that character changes what coverage actually has to do. Lake homes and cabins on undeveloped shorelines carry exposures that standard policies routinely under-cover: replacement cost on legacy log construction that doesn't price easily from comps, dock and boathouse damage from ice and storms, watercraft and recreational liability on cold-deep waters, snowmobile and ATV programs for the trail network, distance-from-fire-protection rates that come with true wilderness, and vacant-property provisions for second homes visited a handful of times a year. Mangold writes Northwoods programs across all of it, shopping 100+ carriers to build coverage shaped to your specific stretch of shoreline.
We take the time to thoroughly evaluate your needs
No obligation. 100+ carriers. We work for you.
Phelps sits at the far northeast corner of Vilas County — Lac Vieux Desert straddles the Wisconsin-Michigan border, the lakes are among the clearest and least developed in the Northwoods, and property owners here typically own for a long time. That means high-value properties that have appreciated significantly, coverage needs that have changed over the years, and in many cases policies that haven't kept pace.
We review coverage for Phelps-area properties with fresh eyes — current replacement cost valuations, proper waterfront structure coverage, watercraft programs for the boats and equipment that come with remote lake ownership, and snowmobile coverage for Vilas County's extensive trail network.
"The company I work for has their commercial insurance with Mangold, and they are AWESOME to work with. They are always looking out for our best interest and respond so quickly to all our requests and needs."
— Kristen Bangert · Facebook review
"Tina Pope of Mangold Insurance was extremely helpful and went out of her way to assist our family with insurance needs. Tina works tirelessly to research the answers we need in a timely manner. Thank you for always putting customers first!"
— Kelly Malchine · Google 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.