Snowmobile Clubs

Download an application here

Download a special event application

States we offer coverage:
Colorado, Idaho, Illinois, Indiana, Iowa, Maine, Michigan, Minnesota, North Dakota, Oregon, Pennsylvania, South Dakota, Washington, Wisconsin, Wyoming

ATV Clubs

Download an application here

Download a special event application

States we offer coverage:
Iowa, Minnesota

V&V Insurance Agency is a full service independent agency offering
Auto, Property/Homeowners, Casualty, Commercial, Life, Health, and Crop/Hail lines of insurance coverage.  For the past 30 years V&V has been recognized nationwide as the leader in providing liability coverage for snowmobile clubs and associations and is licensed in 20 states.  V&V now also offers liability coverage for ATV clubs and associations.


V&V Insurance Agency, Inc.
534 2nd Ave SW
PO Box 159
Cresco, IA 52136
Phone: (563) 547-2161
Fax: (563) 547-2046

Decorah Office
Robin Schultz
313 College Drive
Decorah, IA   52101


V&V Insurance Agency was originally founded as Vagts Insurance Agency in 1962. In 1982 Dale Vagts purchased a portion of that agency from his father and changed the name to V&V Insurance Agency. 


Dale started V&V Insurance Agency in 1982 and with the help of a very dedicated and loyal staff has watched it grow and prosper. Dale and his wife Joyce have 6 wonderful children and 12 beautiful grandchildren. His favorite activities are all related to the great outdoors, namely golf, fishing, hunting and snowmobiling.



Sandi started working for V&V in June of 1984 and went from the only secretary to her current position as office manager. Throughout the years she has become licensed for crop/hail, personal, health, life, and commercial lines. What Sandi enjoys most is spending time with her family. She has two sons, one granddaughter, and four grandsons.


Sue started working at V&V Insurance Agency in May 2001 as a bookkeeper. She also helps customers with their insurance needs, verifies and mails out policies, and various other office jobs. She is licensed in Personal Lines. Sue is married, has two children, five grandchildren and one great-granddaughter. In her spare time she likes to travel with her husband on their motorcycle, work in her flower
gardens, snowmobile, attend grandchildrens' activities and dream of finding time to quilt.



Emily started at V&V Insurance in November of 2013. She is licensed in personal, commercial, and crop/hail lines of insurance. At V&V Emily helps clients with their insurance needs, updates files, and many other office jobs. In her free time, Emily enjoys spending time with her husband Kevin & their two dogs, fishing, riding bicycle and learning more about her new photography hobby.



Kristi started working in the insurance field in 2007 specializing in personal, commercial and crop insurance lines.  In 2012 she started working with the staff at V&V Insurance in Cresco as a sales agent and continues to give her clients the great service of insurance as she has in the past.  She enjoys spending time with her husband Darrick and their two girls Kelsey and Shelby, going to all their school activities as well as helping on their family farm, hunting and most of all golfing with her family and friends.


Robin has been involved in the insurance field since 2003 and is licensed for life and health insurance as well as personal and commercial lines. In 2012 she joined V&V Insurance Agency as a sales agent. Her office is located at 313 College Drive in Decorah, IA. Robin resides in Decorah and has two grown children and two granddaughters and one grandson. Her interests/activities include golfing, boating, snowmobiling, motorcycling, racing and socializing with family and friends.