A legacy of protection

ACT is an independent insurance agency in Central Iowa, with roots that stretch back more than 30 years. A lot has changed over those decades, but one thing has not: our drive to ACT on the needs of our insurance customers.

We ACT on Our Customers’ Needs

ACT is not your ordinary insurance agency – ACT aims to stand out from the crowd.


You can reach ACT via email or phone call.  I am there when you need me (not just during business hours).

Fast, Friendly Service

ACT Insurance is not a customer-agent relationship. You become part of the ACT family.

Neighbors Insuring Neighbors

Nicole has lived in Story City her entire life and wants to understand your insurance needs so she can help you protect what’s most important.  

Client Testimonials

Don’t take our word for it – here’s what our clients say:

I have changed coverage several times and do not have to worry about the coverage being transferred or changed. Nicole makes sure the changes are placed and informs me changes have been completed. All I have to do is send an email, voicemail or call Nicole and everything is taken care of. Nicole has always been very professional and caring. I feel she will be there for us when or if needed, which is a comfort.


I am thankful for the service and options I receive through ACT Insurance Agency. Nicole is very responsive and timely with any of the requests we’ve made and I appreciate her accepting approach to ensure we have the best level of coverage to meet our needs… all while remaining cost conscious. I would personally recommend ACT to anyone who asks.


I’m so glad I went to ACT when starting my business. Nicole and Scott walked me through each step of insuring my in-home photography studio. They made such a daunting task so easy!


Want better coverage? Concerned you might be overpaying for your insurance? 

ACT is here to help.

A few things you absolutely need to talk to us about

We are a full-service insurance agency that can help you with all your insurance needs. But here’s the thing… you might seriously be missing out if you don’t talk to us about one of these.

VEHICLE insurance

When’s the last time you reviewed your auto policy? Are you skimping on protection for your speedboat, simply because it’s not required? What about those ATVs the kids love so much? Vehicle insurance allows you to repair your vehicle and recover swiftly in the event of a crash. Do you have the protection you need?

PERSONAL insurance

For most people, the home is their biggest asset–and it’s unfortunately all too easy to underinsure that asset. In the event of a tornado, lightning strike, flood, or fire, would your policy provide you with the funds needed to rebuild?

What if you rent your home? Your landlord’s property policy will protect the structure itself… but not your belongings inside it. Do you know how inexpensively you could insure your clothing, furniture, technology, and more?


Running a business isn’t easy–we understand that first-hand! From accidentally misclassifying employees, and being hit with a penalty, to being sued by a customer who slipped and fell on your property, there are a lot of risks facing your business. The right insurance package gives you peace of mind and the confidence to face the future.

farm insurance

Agriculture is at the heart of Iowa’s economy–and it’s an industry fraught with risk. Whether you run a family farm and have your home on the business premises, or you own multiple pieces of property where you farm different crops, we can help you protect your personal and business property–and the future of your fields–with a robust policy.

ACT Insurance partners with these companies: