Companies may choose the people they wish to insure. For this type of policy, insurers may not refuse coverage to a class of risks solely on the basis of past criminal record, physical disability, past mental disability, age, marital status, sexual preference, or “moral" character. Insurers may not use these classifications to charge different rates without credible supporting information.
If you are turned down by one company, check with others. Companies have different underwriting standards.
If you try several companies and cannot find coverage, you may be insured through the Wisconsin Insurance Plan. This is a risk-pooling arrangement in which all companies selling property insurance in the state share the risk of property owners who have difficulty securing insurance from usual market sources. You may apply through an insurance agent to see if your manufactured home qualifies. For more information on the Wisconsin Insurance Plan contact:
Wisconsin Insurance Plan (WIP)
600 West Virginia Street, Suite 101
Milwaukee, WI 53204-1552