An Independent Agency

As an independent agency, Ames Insurance Center works for you. By representing some of the finest insurance companies in the industry, we can help determine the best coverage for you at competitive rates.

Our Mission

Ames Insurance Center is an independent insurance agency committed to providing professional, competent and friendly service, as well as quality insurance products for both personal and business needs. We take pride in staying up-to-date on products and changes in the insurance industry. In doing so, we are able to help our customers make informed decisions about their insurance options.


Formerly Rust Insurance Agency, Ames Insurance Center has been prospering for years. The office was formerly located on Kellogg Ave in Ames. In 2008 Ames Insurance Center moved to its current location on Main Street in Ames, IA.

Julie Waters
Owner and Agent

Julie is owner, operator, and agent at Ames Insurance Center. She enjoys spending time with her husband Mike and her dogs, Annie and Lucy, especially in Okoboji. Julie’s insurance career began in 1978, working as a customer service rep for independent insurance agencies. She started with Rust Insurance in sales in 1991, purchased stock in the company in 2003 and completed the purchase of the agency in January of 2005. Julie earned her Chartered Life Underwriter (CLU) designation in 1991 and her Chartered Property Casualty Underwriter (CPCU) designation in 1995. She is an Iowa State University alum and an avid Cyclone fan. Her knowledge of insurance and dedication to her customers are qualities that have enabled Julie to become not only successful in her own business but also respected by her peers in the insurance industry.