With over 25 years experience as a licensed agent, Joy is proud to bring her trusted expertise and personalized service to her own independent agency. Based in the Waverly/Shell Rock area, where she and her husband Chris have lived for more than 26 years, Joy is passionate about helping individuals, families, and businesses find the right insurance solutions for their unique needs. 

Joy's approach is simple: treat clients like family and provide honest, reliable guidance every step of the way. Whether you are looking for home, auto, life, or business insurance, you can count on Joy's decades of knowledge and deep commitment to the community she calls home. 

Outside of work, Joy and her husband Chris own Z's Pizza & Diner in Waverly, Iowa, and enjoys spending time with their two grown children, Kaylee and Colin, and their beloved Bernese Mountain Dogs, Murphy & Millie. Joy believes in building lasting relationships - both in business and in life - and looks forward to helping you protect what matters most.