Skip to content
Joy InsuranceJoy Insurance
  • Insurance
    • Personal Insurance
      • Auto Insurance
      • Homeowners Insurance
      • Motorcycle Insurance
      • – More Personal Lines
    • Business Insurance
      • Commercial Property Insurance
      • General Liability Insurance
      • Workers’ Compensation Insurance
      • – More Business Specialties
  • About
    • About Us
    • Meet Our Team
    • Customer Reviews
    • Insurance Companies
    • Insurance Blog
  • Support
    • Online Billing & Payments
    • File A Claim
    • Auto ID Card Request
    • Certificate of Insurance Request
    • Policy Change Request
    • Annual Insurance Review
    • Insurance Resources
  • Contact
    • Middletown Office
    • Secure Contact Form
    • Refer a Friend
    • (845) 342-4888
  • Home › Karen Williams is fantastic!!!!

Karen Williams is fantastic!!!!

Karen Williams is fantastic!!!!

Gaetano C
Rated 5 out of 5 stars
This entry was posted in . Bookmark the permalink.
Liam was a great help. Thank you so much!
I was helped by Mimi at Joy Insurnace. She was very helpful and made everything…

Policy Service Center

For 24 hours customer service and claims contact information, please go to our online Policy Service Center.

make a payment file a claim policy change request

We Want Your Opinion!

write a review

Get A Quote

"*" indicates required fields

This field is for validation purposes and should be left unchanged.

Call Us

(845) 342-4888

Customer Reviews

The staff at this agency is excellent!!! They are always so personable and…

The staff at this agency is excellent!!! They are always so personable and friendly on the phone and in the office. This is one business that I feel truly cares about me as an individual. Thank you all for your dedicated service and vast knowledge in the industry, you have been so very helpful to me! They also seem to have a way to save you money from any other company out there. HIGHLY RECOMMEND! 🙂

Stephanie Jansen
Rated 5 out of 5 stars
Stephanie J

I have been a customer with Joy Ins. for many years. The staff is always…

I have been a customer with Joy Ins. for many years. The staff is always professional and go out of their way to assist in any aspect of my vehicle, renter’s and motorcycle ins. Chris is a great guy and certainly brings “joy” to his clientele. I would be very remiss if I did not also mention Doris, who has been nothing short of phenomenal in her patience, expertise and service to me over the years. Thanks to you all. My highest and most heartfelt congratulations and recommendation!!

Rated 5 out of 5 stars
Jay S

I understand how this insurance agency got their name as they are a joy to work…

I understand how this insurance agency got their name as they are a joy to work with! Karen Williams is our agent and is always there to answer questions and help with whatever we need.

ANNE SCHULMAN
Rated 5 out of 5 stars
ANNE S

This evaluation relates to the process of locating appropriate and affordable…

This evaluation relates to the process of locating appropriate and affordable insurance for our home and autos. Karen Williams was very thorough in defining our needs and she found an insurance package that we immediately accepted. We are looking forward to being insured through the Joy Insurance Agency.

Stuart Stiles
Rated 5 out of 5 stars
Stuart S

Chris worked with me on purchasing life insurance. From the very beginning, he…

Chris worked with me on purchasing life insurance. From the very beginning, he made sure that my family’s needs were being met, while finding me the best rate on insurance. I’m glad I went with Joy. Make sure to call them if you’re in the market for insurance. I know they’ll take care of you.

Joseph Amato
Rated 5 out of 5 stars
Joseph A

Excellent service. Liam was exceptionally helpful. He took the time to explain…

Excellent service. Liam was exceptionally helpful. He took the time to explain everything and found the best policy.

Rated 5 out of 5 stars
Paul B

I have been with this company longer than I’ve been married to my wife, 14 plus…

I have been with this company longer than I’ve been married to my wife, 14 plus years. Mr. Joy and his team are very polite and professional. As a business owner my company requires more attention than a personal insurance account. They have always been very prompt and accommodating.

Rated 5 out of 5 stars
Jason T

Someone always answers the phone and my agent asks about me, my family, my…

Someone always answers the phone and my agent asks about me, my family, my jobs. The Joy Agency is personal and that’s rare these days. I have already recommended them to coworkers and I have absolutely nothing one single issue with them. They are local, they are accessible, they are awesome!

Rated 5 out of 5 stars
Dawn C

Very professional, friendly and accommodating. Staff has excellent customer…

Very professional, friendly and accommodating. Staff has excellent customer service skills; quick response to claims.

Rated 5 out of 5 stars
ERICA C

Edited– Sometimes there is miscommunication. I just got a call from the…

Edited– Sometimes there is miscommunication. I just got a call from the owner apologizing that no one got back to me. He stated that the agent stated he called but could not get me. I think this is very noble that they called to try to find out what happen to get this bad review. I am sorry we could not work together. To call and find out what happen and say sorry is really good customer service.

Nate Spence
Rated 5 out of 5 stars
Nate S

James Dudgeon and his staff are extremely professional and highly efficient. …

James Dudgeon and his staff are extremely professional and highly efficient. It is a pleasure to work with them. I have been a client for many years and will remain so.

Rated 5 out of 5 stars
Maria G

5 stars!

Rated 5 out of 5 stars
Alyson C

Very helpful and friendly staff they are always there for my insurance needs

Very helpful and friendly staff they are always there for my insurance needs

Rated 5 out of 5 stars
kevin h

Quick to respond and very helpful when needed

Quick to respond and very helpful when needed

Erik
Rated 5 out of 5 stars
Erik

5 stars!

Rated 5 out of 5 stars
Nicholas K

5 stars!

Rated 5 out of 5 stars
Kathy C

I wasn’t happy with my previous insurance and knew I wanted to change…

I wasn’t happy with my previous insurance and knew I wanted to change companies. My previous car died and I needed to get another immediately or I wouldn’t have made it to work, and a coworker would have been stuck on a 24 hour shift. They got my insurance sorted out so freakin’ quickly my head spun. Professional and super friendly and knowledgeable. They found me a great deal too. I would recommend them to anyone!

Lore Splitt
Rated 5 out of 5 stars
Lore S

Very responsive and will shop around to get you the best deal on your…

Very responsive and will shop around to get you the best deal on your individual needs.

Tom Drummond
Rated 5 out of 5 stars
Tom D

Friendly, fair and very easy to work with. Highly recommend!

Friendly, fair and very easy to work with. Highly recommend!

Rated 5 out of 5 stars
Anthony R

Karen, was very patient, professional, and fast. I highly recommend this…

Karen, was very patient, professional, and fast. I highly recommend this agency. Wish i can give them 10 stars.

Rated 5 out of 5 stars
brave h

Joy insurance provide excellent customer care and support. I my experience joy…

Joy insurance provide excellent customer care and support. I my experience joy insurance provided timely response to all my insurance need Jacob

Rated 5 out of 5 stars
Jacob O

Love Joy Insurance and all their staff!

Love Joy Insurance and all their staff!

Raven Atria
Rated 5 out of 5 stars
Raven A

5 stars!

Rated 5 out of 5 stars
Thao T

5 stars!

Rated 5 out of 5 stars
Kent W

Always responsive to all my insurance needs. I would not use anyone else.

Always responsive to all my insurance needs. I would not use anyone else.

Rated 5 out of 5 stars
Devin D

5 stars!

Rated 5 out of 5 stars
Chris V

5 stars!

James Young
Rated 5 out of 5 stars
James Y

Having multiple insurance options within one agency is a real plus. The…

Having multiple insurance options within one agency is a real plus. The customer service is excellent; the agents will walk you through any steps that you need to take when processing a claim.

Timothy Brown
Rated 5 out of 5 stars
Timothy B

5 stars!

M. Falanga Trucking, LLC.
Rated 5 out of 5 stars
M. F Trucking, LLC.

Joy insurance is great. I can send an email and have a response in minutes. The…

Joy insurance is great. I can send an email and have a response in minutes. The brokers are very attentive and get the job done when you are in a rush.

Rated 5 out of 5 stars
Krissy S

I’ve been with Joy Insurance Agency for a very long time, and I have never had…

I’ve been with Joy Insurance Agency for a very long time, and I have never had a bad experience. The people there are the best.

Brian Baker
Rated 5 out of 5 stars
Brian B

Amazing staff!

Amazing staff!

MackDitty Onasis
Rated 5 out of 5 stars
MackDitty O

I have used Joy Insurance for my business and personal home and auto needs for…

I have used Joy Insurance for my business and personal home and auto needs for over 30 years. Their attention to detail and customer satisfaction can not be matched.

Rated 5 out of 5 stars
Brian H

5 stars!

Rated 5 out of 5 stars
Tanya R

Joy Insurance helped me obtain a new auto policy. As a first time car buyer,…

Joy Insurance helped me obtain a new auto policy. As a first time car buyer, they made the process seamless with excellent pricing options and coverage for my vehicle. I’d highly recommend speaking to any of their trained professionals for your insurance needs!

Rated 5 out of 5 stars
Liam J

5 stars!

Rated 5 out of 5 stars
Carlos M

The entire process from start to finish was impeccable! They were helpful,…

The entire process from start to finish was impeccable! They were helpful, friendly, professional, and knowledgeable. I recommend Joy insurance agency to everyone in the Hudson area!

Rated 5 out of 5 stars
Jordan G

5 stars!

Walter & Paula Holmes
Rated 5 out of 5 stars
Walter & Paula Holmes

Because the people are friendly

Because the people are friendly

Rated 5 out of 5 stars
Michelle G

Always a pleasure doing business with joy insurance. Most recently they’ve been…

Always a pleasure doing business with joy insurance. Most recently they’ve been extremely helpful with my commercial insurance, Offering many options and payment plans

Rated 5 out of 5 stars
Karl B

Always Professional,courteous and thorough,anytime we have needed help or…

Always Professional,courteous and thorough,anytime we have needed help or advise Joy Insurance has always steered us in the right direction,All of the staff at Joy have been Great to deal with,they treat you like family which goes a long way.as always Thank You !

Grant G
Rated 5 out of 5 stars
Grant G

5 stars!

Rated 5 out of 5 stars
Star P

Joy Insurance is super reliable. I can always count on them. Great family owned…

Rated 5 out of 5 stars
Amanda D

Absolutely love JOY insurance agency!!! I was paying so much for insurance…

Jaclyn Sampson
Rated 5 out of 5 stars
Jaclyn S

Great service.

Great service.

Rated 5 out of 5 stars
Holly C

Experts

Experts

rajesh singh
Rated 5 out of 5 stars
rajesh s

Always so helpful and knowledgeable. Karen Williams is top notch!

Always so helpful and knowledgeable. Karen Williams is top notch!

Rated 5 out of 5 stars
Sarah R

Karen Z has been a pleasure to work with! She is a big asset to the company…

Karen Z has been a pleasure to work with! She is a big asset to the company and I have highly recommended her to many of my friends for her exceptional service and attention to detail. She saved me a ton of money on my car insurance and is always very helpful whenever I have any questions.

Rated 5 out of 5 stars
jennifer l

Joy insurance gave me a great quote on my new car. They were very efficient and…

Joy insurance gave me a great quote on my new car. They were very efficient and knowledgeable. Any questions I had were answered right away. I was very impressed with how easy they made it for me. I would recommend Joy Insurance Agency to anyone looking for insurance!

Rated 5 out of 5 stars
Julia M

Absolutely attentive to all my insurance needs. Found best prices and more…

Absolutely attentive to all my insurance needs. Found best prices and more importantly best coverage for my requirements…be they personal or business.

Joseph Carver
Rated 5 out of 5 stars
Joseph C

5 stars!

Rated 5 out of 5 stars
Rose b

Knowledgeable, friendly, professional, and great location. What sets Joy…

Knowledgeable, friendly, professional, and great location. What sets Joy Insurance Agency apart is their prompt and efficient handling of any inquiries or claims, making the entire process stress-free. I highly recommend Joy Insurance Agency to anyone seeking reliable and customer-focused insurance services. 5 stars!

lynne martines
Rated 5 out of 5 stars
lynne m

Great attitude!!!

Great attitude!!!

R C
Rated 5 out of 5 stars
R C

Awesome company! They helped me get car insurance super low instead of me…

Awesome company! They helped me get car insurance super low instead of me paying $600 a month with progressive. I’m so happy and grateful I reached out and I got an immediate response

Gabrielle Wessels
Rated 5 out of 5 stars
Gabrielle W

5 stars!

Rated 5 out of 5 stars
Wyatt L

Karen is very professional, thorough, prompt and looking out for her…

Karen is very professional, thorough, prompt and looking out for her customer’s needs. I am very pleased with her auto/home insurance recommendations! The staff at Joy insurance is very courteous and professional, starting with the receptionist and the other staff that follows through to ensure the timeliness of getting forms signed so that receipt that receipt of policies is expediently done!

Rated 5 out of 5 stars
Sandra N

Very knowledgeable, courteous, prompt and professional. Transferring to Joy…

Very knowledgeable, courteous, prompt and professional. Transferring to Joy Insurance was a smooth transition. Would highly recommend!

Christine C. Belknap
Rated 5 out of 5 stars
Christine C Belknap

5 stars!

Manny
Rated 5 out of 5 stars
Manny

Very professional.

Very professional.

Rated 5 out of 5 stars
nora c

5 stars!

Rated 5 out of 5 stars
Ana C

5 stars!

Rated 5 out of 5 stars
Jonice A

Liam took the extra care to make sure we had a home and auto policy that fit…

Liam took the extra care to make sure we had a home and auto policy that fit our needs. He provided expert guidance and tailored coverage options, providing a detailed overview of each path. He made the ever tenuous insurance hunt easy by providing painless support and quick preparation of policy documentation. I would not hesitate to recommend Liam and Joy Insurance to friends and family alike.

Richard Sparano
Rated 5 out of 5 stars
Richard S

5 stars!

Rated 5 out of 5 stars
Anthony S

5 stars!

Rated 5 out of 5 stars
Barbara N

It was a wonderful experience, Mrs. Karen William. It was extremely nice and as…

It was a wonderful experience, Mrs. Karen William. It was extremely nice and as well, helpful.

Rated 5 out of 5 stars
sukhdev s

5 stars!

Mike Dunleavy
Rated 5 out of 5 stars
Mike D

Everyone I have interacted with at Joy Insurance has always been helpful and…

Everyone I have interacted with at Joy Insurance has always been helpful and very friendly. They were able to find me an awesome price for my premium matching everything I had before but for a much more affordable price.

Veronica Jimenez
Rated 5 out of 5 stars
Veronica J

I have relied on the Joy agency for all of my insurance needs for the last…

I have relied on the Joy agency for all of my insurance needs for the last decade without any problems with my insurance coverage, and their service is excellent!

Rated 5 out of 5 stars
Richard H

Nancy, and the rest of the team, are very knowledgeable and are always…

Nancy, and the rest of the team, are very knowledgeable and are always available to handle any and all issues for my business. They provide professional services that are topnotch. I highly recommend them.

Rated 5 out of 5 stars
Darcy G

Great ppl great prices

Great ppl great prices

Rated 5 out of 5 stars
Brian T

5 stars!

Rated 5 out of 5 stars
Peter L

Switching to Joy Insurance was the best choice I could have made for my…

Switching to Joy Insurance was the best choice I could have made for my insurance needs! All of the staff are very friendly, knowledgeable and happy to answer any and all policy questions. I feel confident knowing I have better coverage at a cheaper rate than before, and an awesome agent at Joy to handle any questions or claims I might have in the future.

Rated 5 out of 5 stars
Sara B

Excellent experience and would highly recommend. We switched to Joy Insurance…

Excellent experience and would highly recommend. We switched to Joy Insurance after 30 years at another. Liam walked me through the process and switch over which to date has been great.

Rated 5 out of 5 stars
Dean R

Karen Williams from Joy Insurance has done a fantastic job improving our…

Karen Williams from Joy Insurance has done a fantastic job improving our insurance coverage and saving us $1500.00 a year . She met with me a couple of times to discuss our coverages and answer any questions. It was alot of work on her part to give us 3 different insurance company quotes. She and Joy Insurance have earned our business because of the service they have provided. Thank you

Rated 5 out of 5 stars
Peter H

Our old insurance company is leaving our market, so Liam helped me find a new…

Our old insurance company is leaving our market, so Liam helped me find a new one. He was very responsive and helpful, and over a few emails found us equivalent coverage with a well-rated company for a lot less money. He helped make the switch and cancel my old policies. Great service!

Rated 5 out of 5 stars
Andrea G

5 Stars!

Rated 5 out of 5 stars
D D

5 Stars!

Rated 5 out of 5 stars
Lyseida C

5 Stars!

Rated 5 out of 5 stars
Maria B

Great experience. Efficient knowledgeable and helpful

Great experience. Efficient knowledgeable and helpful

Rated 5 out of 5 stars
Susan C

Karen was very helpful, professional and absolutely the best when getting me…

Karen was very helpful, professional and absolutely the best when getting me insurance that wasn’t insanely high. I recommend them to others for sure.

Rated 5 out of 5 stars
Charity C

5 Stars!

Rated 5 out of 5 stars
Raquel A

Excellent service!

Excellent service!

Rated 5 out of 5 stars
Chris

Vietta worked very hard to find me acceptable, affordable insurances. She’s…

Vietta worked very hard to find me acceptable, affordable insurances. She’s a pleasure to work with!!

Rated 5 out of 5 stars
Cheryl K

James Dungeon is a fantastic agent – he knows the industry better than anyone I…

James Dungeon is a fantastic agent – he knows the industry better than anyone I have met for all my business and personal insurance needs. He works to get his client the best deal possible, responds quickly, and works in our best interest at all times. Highly recommend!!

Rated 5 out of 5 stars
Christopher G

5 Stars!

Rated 5 out of 5 stars
Sean B

Friendly and very easy to work with.

Friendly and very easy to work with.

Rated 5 out of 5 stars
Audrey K

5 stars!

Robert Valentine
Rated 5 out of 5 stars
Robert V

5 stars!

lui- g
Rated 5 out of 5 stars
lui- g

5 stars!

Karen Stoner
Rated 5 out of 5 stars
Karen S

5 stars!

Leny M Varano
Rated 5 out of 5 stars
Leny M Varano

5 stars!

Rated 5 out of 5 stars
Pablo I

5 stars!

Rated 5 out of 5 stars
Lino L

5 stars!

Rated 5 out of 5 stars
Wendy S

5 stars!

Rated 5 out of 5 stars
Tonya D

5 stars!

Rated 5 out of 5 stars
Sylvia O

5 stars!

Rated 5 out of 5 stars
William V

5 stars!

Rated 5 out of 5 stars
Margaret M

5 stars!

Rated 5 out of 5 stars
Aaron C

5 stars!

Rated 5 out of 5 stars
Adam G

5 stars!

Rated 5 out of 5 stars
Subi J

5 stars!

Rated 5 out of 5 stars
k. x

5 stars! 39

Rated 5 out of 5 stars
John R

5 stars!

Rated 5 out of 5 stars
Jimmy G

5 stars!

Rated 5 out of 5 stars
Trinh P

5 stars!

Rated 5 out of 5 stars
Jacob W

5 stars!

Rated 5 out of 5 stars
faviola m

5 stars!

Rated 5 out of 5 stars
DONALD T

5 stars!

Rated 5 out of 5 stars
Geo v

5 stars!

Rated 5 out of 5 stars
John O

5 stars!

Shirley Cogen
Rated 5 out of 5 stars
Shirley C

5 stars!

Rated 5 out of 5 stars
Ben P

5 stars! 49

Rated 5 out of 5 stars
jon

5 stars!

Rated 5 out of 5 stars
Chiu C

5 stars!

Rated 5 out of 5 stars
Cathy G

5 stars!

Rated 5 out of 5 stars
Elena R

5 stars!

Rated 5 out of 5 stars
Marisa S

5 stars!

Rated 5 out of 5 stars
Nick T

5 stars!

Rated 5 out of 5 stars
Michael M

5 stars!

Rated 5 out of 5 stars
Neil C

l recommend. They were fast with responding back. I didnt have to go in. And…

l recommend. They were fast with responding back. I didnt have to go in. And the same premium for higher coverage

Rated 5 out of 5 stars
L. B

I can’t say enough good things about James at Joy Insurance! He was recommended…

I can’t say enough good things about James at Joy Insurance! He was recommended by a friend who has been with them for a few years and love them too!! Extremely helpful and saved us lots of money with better coverages. Great to respond and help!! A+++++

Sharon Hurley
Rated 5 out of 5 stars
Sharon H

Always professional, courteous and prompt. The best!!

Always professional, courteous and prompt. The best!!

Bill Davis
Rated 5 out of 5 stars
Bill D

Liam Help get us coverage on house and Auto at A fair and reasonable price ,He…

Liam Help get us coverage on house and Auto at A fair and reasonable price ,He made the Process simple and easy .

Rated 5 out of 5 stars
Richard L

Joy insurance was great to work with. Doris was so efficient and informative

Joy insurance was great to work with. Doris was so efficient and informative

Ann Marie Hahr
Rated 5 out of 5 stars
Ann M Hahr

Seemless and easy transition

Seemless and easy transition

Rated 5 out of 5 stars
Blade W

Working with Joy Insurance was one of the easiest Property insurance’s I have…

Working with Joy Insurance was one of the easiest Property insurance’s I have ever bought. Fast, easy, low-cost and very helpful.

Rated 5 out of 5 stars
Richard

Looking for insurance on my own was stressful I was ready to just give up. When…

Looking for insurance on my own was stressful I was ready to just give up. When I reached out to Joy insurance and was connected to one of their agents Shawn I knew my headache was over. Shawn was so helpful. He took his time to verify everything and got me the best possible rate. I couldn’t be happier with the exceptional service I received. Thank you!

Rated 5 out of 5 stars
Porsha B

Friendly personable staff good prices support local business….

Friendly personable staff good prices support local business….

Christopher Schoepfer
Rated 5 out of 5 stars
Christopher S

Very good experience. They deal with several different insurance companies…

Very good experience. They deal with several different insurance companies. Found me great rates with a reputable company.

Diedre Costic
Rated 5 out of 5 stars
Diedre C

Always a great experience working with the team at Joy Insurance, thanks Mimi!

Always a great experience working with the team at Joy Insurance, thanks Mimi!

Rated 5 out of 5 stars
Carl U

I was helped by Mimi at Joy Insurnace. She was very helpful and made everything…

I was helped by Mimi at Joy Insurnace. She was very helpful and made everything quick and easy! I appreciate all her help in getting setup for a new car I purchased! I would recommend using this agency to anyone.

Rated 5 out of 5 stars
Ryan B

Karen Williams is fantastic!!!!

Karen Williams is fantastic!!!!

Rated 5 out of 5 stars
Gaetano C

Liam was a great help. Thank you so much!

Liam was a great help. Thank you so much!

Rated 5 out of 5 stars
Tiffany W

Awesome people and great insurance !!!!

Awesome people and great insurance !!!!

Yung Dro187
Rated 5 out of 5 stars
Yung D

Nancy handled my new auto policy quickly and professionally. Also very polite…

Nancy handled my new auto policy quickly and professionally. Also very polite and friendly. Saved money too! Would definitely recommend joy to friends and family.

Rated 5 out of 5 stars
john r

Very nice to work with

Very nice to work with

Rated 5 out of 5 stars
Gigi P

Karen was extremely helpful with all my questions. The yearly premium was the…

Karen was extremely helpful with all my questions. The yearly premium was the best lowest amount I could find. Their also local which is nice.

Rated 5 out of 5 stars
Rob H

Needed insurance fast for my new business and they understood the assignment…

Needed insurance fast for my new business and they understood the assignment and got it done.

Rated 5 out of 5 stars
shawn w

They have Incredible, friendly and fast service and they were able to save us…

They have Incredible, friendly and fast service and they were able to save us $1,400 a year by finding a policy that worked best for us. Highly recommend Joy Insurance!

Rated 5 out of 5 stars
Emily A

My friend recommended Joy Insurance to me. When I contacted them, i was…

My friend recommended Joy Insurance to me. When I contacted them, i was pleasantly surprise how courteous, Patient, & understanding the agent was. By the end of it all i ended up saving over 5 thousand while getting BETTER coverage. I’ve already recommended another friend of mine to them.

Rated 5 out of 5 stars
Claude A

Joy Insurance has always been there for me- I would recommend them highly.

Joy Insurance has always been there for me- I would recommend them highly.

Rated 5 out of 5 stars
Helen I

Karen was very attentive and God right back to me with a quote that I needed…

Karen was very attentive and God right back to me with a quote that I needed right away. Very happy with the service and the price. Going to give them the opportunity for my other insurance needs

Rated 5 out of 5 stars
Mike B

I have used this agency for both personal and business and I am really happy…

I have used this agency for both personal and business and I am really happy with their service all around! Debra and Karen have been able to assist me whenever necessary with whatever I need! Thank you for your professional service!

Rated 5 out of 5 stars
Angela R

I am happy with Joy Insurance. Nancy is my agent. She handles my car and…

I am happy with Joy Insurance. Nancy is my agent. She handles my car and homeowners insurance. I have never had any issues. I have been with them for about 6 years now. Very affordable. Any matters handled in a timely manner.

Rated 5 out of 5 stars
Regina H

I have been using Joy Insurance for 10 plus years. The staff is amazing…

I have been using Joy Insurance for 10 plus years. The staff is amazing especially Nancy. They have been quick and easy to deal with. Whether I’m calling from home, dealership or stopping by there office with any insurance modification they are quick & willing to help to assist you with “joy”. Mike H

Rated 5 out of 5 stars
Mike H

Made life so easy and got us all set up and bundled with all of our insurance!

Made life so easy and got us all set up and bundled with all of our insurance!

Rated 5 out of 5 stars
Heather A

Very helpful staff. They researched and found a carrier to save my mother money.

Very helpful staff. They researched and found a carrier to save my mother money.

Rated 5 out of 5 stars
Shannon B

The staff is very helpful. Ms Deb is very helpful and kind

The staff is very helpful. Ms Deb is very helpful and kind

Rated 5 out of 5 stars
Kendra P

I really enjoyed my conversations with the staff at Joy Insurance. They helped…

I really enjoyed my conversations with the staff at Joy Insurance. They helped me navigate my insurance needs and thoroughly explained my options so I could make the best informed decision. I would recommend Joy Insurance to friends and family.

Sloane Lipshie
Rated 5 out of 5 stars
Sloane L

Joy Insurance and Mimi Cahill in particular have given me excellent insurance…

Joy Insurance and Mimi Cahill in particular have given me excellent insurance rates and are always quick to respond and deal with anything. I trust them and happily tell others about them. I’ve also found them to be both honest and accommodating. Highly recommend!

leeshai lemish
Rated 5 out of 5 stars
leeshai l

Excellent service.

Excellent service.

Rated 5 out of 5 stars
Bob K

Joy has been proactive, creative, and friendly in dealing with our policy…

Joy has been proactive, creative, and friendly in dealing with our policy through the years.

Rated 5 out of 5 stars
Ted G

Excellent response to all questions and concerns. Karen was very thorough and…

Excellent response to all questions and concerns. Karen was very thorough and professional. Thanks for your service .

Rated 5 out of 5 stars
glenn t

We have been with Joy Insurance for nearly two decades, and have always been…

We have been with Joy Insurance for nearly two decades, and have always been treated with respect, professionalism, and fairness. Chris Joy has and his team have always made the claim process a seamless and non stressful one, when those times are usually difficult and anxious moments. They are responsive to all of our questions and concerns and you can always rely on an honest and clear understanding of your options for a resolution. We highly recommend Joy Insurance for all one’s insurance needs, personal and business, they are the best!

The Malleys
Rated 5 out of 5 stars
The M

5 stars!

Rated 5 out of 5 stars
jennifer v monsalve

5 stars!

Rated 5 out of 5 stars
David V

5 stars!

Rated 5 out of 5 stars
Jacob W

We have used Joy Insurance for many years. We just worked with our new agent,…

We have used Joy Insurance for many years. We just worked with our new agent, Liam, for the first time. Needed some clarification regarding a policy. Liam investigated and called us back quickly with all of the details. He also sent a follow up email, providing the needed info in print. Thanks, Liam and Joy Insurance.

Rated 5 out of 5 stars
Genesis D

Liam was fantastic to work with! Super great with communication and service.

Liam was fantastic to work with! Super great with communication and service.

Rated 5 out of 5 stars
Alex S

Had a great experience. Great rates and customer service were very attentive.

Had a great experience. Great rates and customer service were very attentive.

Mia R.
Rated 5 out of 5 stars
Mia R

I totally recommend Joy. They offerred me an upgraded coverage saving me $50…

I totally recommend Joy. They offerred me an upgraded coverage saving me $50 monthly. Karen made the process Easy breezy.

Rated 5 out of 5 stars
Norma C

Excellent

Excellent

Ali Aguilar
Rated 5 out of 5 stars
Ali A

Very helpful! Love their service!

Very helpful! Love their service!

Ania O.
Rated 5 out of 5 stars
Ania O

Everything was so simple and went smoothly. I highly recommend them

Everything was so simple and went smoothly. I highly recommend them

Gabe Nagy
Rated 5 out of 5 stars
Gabe N

Karen at Joy Insurance was a please to work with!

Karen at Joy Insurance was a please to work with!

Rated 5 out of 5 stars
Rebecca B

5 stars!

Rated 5 out of 5 stars
Danuta M

Karen Williams is the best agent I’ve ever dealt with, smooth and easy process…

Karen Williams is the best agent I’ve ever dealt with, smooth and easy process of switching insurance companies. Thanks Joy!

Rated 5 out of 5 stars
Simon L

Joy consistently provides thorough, detailed, and excellent service! Mark J….

Joy consistently provides thorough, detailed, and excellent service! Mark J. Tierney

Mark J. Tierney
Rated 5 out of 5 stars
Mark J Tierney

Liam and co saved my family hundreds of dollars per month and we appreciate…

Liam and co saved my family hundreds of dollars per month and we appreciate their continued support and advice!

Rated 5 out of 5 stars
Franco S

Outstanding customer service joying insurance. Liam provided excellent service…

Outstanding customer service joying insurance. Liam provided excellent service and I would recommend them for anyone who needs a wide range of insurance

Rated 5 out of 5 stars
Paul F

We have been clients for 22 years and the level of service is excellent. Would…

We have been clients for 22 years and the level of service is excellent. Would highly recommend this insurance brokerage

Rated 5 out of 5 stars
Michael T

Karen Williams is a great agent, needed pictures taken for my car, I’m unable…

Karen Williams is a great agent, needed pictures taken for my car, I’m unable to drive it at the moment, she came to me and got it done quickly, no complications, straight to the issue appreciated it.

Rated 5 out of 5 stars
Derek B

Excellent and easy service. The best!!

Excellent and easy service. The best!!

Rated 5 out of 5 stars
Jack M

Very professional and friendly staff.

Very professional and friendly staff.

Rated 5 out of 5 stars
tanya m

Best rates on all types of insurance.

Best rates on all types of insurance.

Rated 5 out of 5 stars
Robert

All of the employees are very easy to deal with and always helpful

All of the employees are very easy to deal with and always helpful

Rated 5 out of 5 stars
Bridget Z

Been with Joy Insurance for years!! great crew and always tries to find me the…

Been with Joy Insurance for years!! great crew and always tries to find me the best quotes possible for my insurance!!

Rated 5 out of 5 stars
rachel w

5 stars!

Rated 5 out of 5 stars
Nina S

5 stars!

Rated 5 out of 5 stars
Mark N

5 stars!

Rated 5 out of 5 stars
Janis G

5 stars!

Rated 5 out of 5 stars
Ali S

5 stars!

Rated 5 out of 5 stars
Betty J Sweeney

I found Joy Insurance to be responsive and thorough. My phone calls were…

I found Joy Insurance to be responsive and thorough. My phone calls were answered by a polite person who was kind and supportive. I worked with Karen to find commercial insurance and my business is complex so she had to work pretty hard. She found me a policy to fit my needs and my budget. Although I am newer to the Middletown area, I hope to use them for years to come. Update 1/2024 We have been with Joy Insurance for over 1.5 years now. And they have been through our rapid growth and challenging requirements. They are responsive and work hard for us. Special thanks Doris who is always ready with a quick answer.

Rated 5 out of 5 stars
Gabriel S

This local, family owned business has friendly service and reliable protection…

This local, family owned business has friendly service and reliable protection for our family’s needs.

Jamie Sherman
Rated 5 out of 5 stars
Jamie S

Joy Insurance is top notch when it comes to customer service. They quickly…

Joy Insurance is top notch when it comes to customer service. They quickly respond to your call or email and always answer all of your questions. They are knowledgeable, friendly and so helpful with policy and insurance questions!

Dee L
Rated 5 out of 5 stars
Dee L

Joy has been great for me and my business. Liam helped me find a cheaper rate…

Joy has been great for me and my business. Liam helped me find a cheaper rate for the same coverage I was using before and made the process as easy as it could be

Rated 5 out of 5 stars
Ryan K

Doris is the best she is so helpful

Doris is the best she is so helpful

Rated 5 out of 5 stars
Dennis a Florence Stoveken

Joy Insurance Agency has been a joy handling my insurance needs.. Charles…

Joy Insurance Agency has been a joy handling my insurance needs.. Charles Kolster, my agent, has always provided the best advice, the best prices representing the most reliable carriers I’ve ever had. When I need him, he’s there. When I have complex questions or wants and wishes he presents solid reasons that guide my thinking and he’s always been 100% correct. It’s always a “customer comes first” priority. If you’re looking the best agent with the best agency, stop looking.

Cliff Strome
Rated 5 out of 5 stars
Cliff S

Karen helped me every step of the way with setting up which policy I needed….

Karen helped me every step of the way with setting up which policy I needed. Always answered all my questions and even had her team assist with my needs while she was off so my business has no down time in operating. Excellent service.

Rated 5 out of 5 stars
Abimael M

They were very helpful, and fast getting back to me . Shawn was great and got…

They were very helpful, and fast getting back to me . Shawn was great and got me the best rate .

God of Love Jesus
Rated 5 out of 5 stars
God o Love Jesus

After USAA raised my rates over fifty dollars it was time to shop around….

After USAA raised my rates over fifty dollars it was time to shop around. Located Joy insurance and worked with Karen who got me a great rate and payment. I felt like I was doing business that is family oriented and am happy to be part of it!

Rated 5 out of 5 stars
Jim D

My representative was kind and patient. Provide me some guidance. Kudos to…

My representative was kind and patient. Provide me some guidance. Kudos to Karen Williams

Rated 5 out of 5 stars
Dave L

5 stars!

Rated 5 out of 5 stars
Shar R

5 stars!

Rated 5 out of 5 stars
John P

5 stars!

Rated 5 out of 5 stars
nicks u

5 stars!

Rated 5 out of 5 stars
Diana R

5 stars!

Juli Ssa
Rated 5 out of 5 stars
Juli S

5 stars!

Rated 5 out of 5 stars
jpurim 2

5 stars!

Rated 5 out of 5 stars
Richard D

5 stars!

Rated 5 out of 5 stars
Lisa S

Very Helpful. Was able to get insured in just a few hours.

Very Helpful. Was able to get insured in just a few hours.

VEMAR FIX
Rated 5 out of 5 stars
VEMAR F

Needed a copy of my insurance card for my car. Nancy was great. Found the card…

Needed a copy of my insurance card for my car. Nancy was great. Found the card and emailed it to me within a few minutes. Always helpful for whatever I need.

Debbie Gitner
Rated 5 out of 5 stars
Debbie G

5 stars!

Rated 5 out of 5 stars
Jose O

5 stars!

Rated 5 out of 5 stars
Mike O

5 stars!

Rated 5 out of 5 stars
Diana D

5 stars!

Rated 5 out of 5 stars
Kathy R

We have been a client of Joy Insurance for years and they have always been…

We have been a client of Joy Insurance for years and they have always been there for us. Their efficient and courteous staff has always responded quickly to our questions and concerns. Joy Insurance is the touchstone for all our insurance needs and it is a pleasure having them work with us.

NESystems
Rated 5 out of 5 stars
NESystems

Great insurance. Would use again

Great insurance. Would use again

Rated 5 out of 5 stars
Kevin O

I was in desperate need of insurance. I searched for Car insurances near me and…

I was in desperate need of insurance. I searched for Car insurances near me and found Joy insurance I gave them a call. I was able to speak to an actual person. They were patient and kind. After receiving all my information I was told I would receive a call back and I did. The coverage was perfect for my needs. The process was fast and painless. Believe it or not the word Joy stood out to me. Where God is there is Joy and inner peace.

J C
Rated 5 out of 5 stars
J C

Great people to work with customers service is excellent

Great people to work with customers service is excellent

Rated 5 out of 5 stars
Edwin m

Great staff – very responsive to all my needs and best rates I’ve seen. …

Great staff – very responsive to all my needs and best rates I’ve seen. You’ll be happy you called them!

Rated 5 out of 5 stars
Bob N

I was struggling to get a quote from different providers. It was very…

I was struggling to get a quote from different providers. It was very unpleasant situation and frustrating for me. When I came across Joy insurance everything was done so smoothly that I couldn’t believe. Very friendly and professional staffs willing to support all possible ways with your needs. Thank you Joy and thank Karen.

Faruque
Rated 5 out of 5 stars
Faruque

I’m glad I found Joy Insurance. They make insurance shopping stress-free, are…

I’m glad I found Joy Insurance. They make insurance shopping stress-free, are quick to respond, and always ready to help. I highly recommend them.

Judy LaVerde
Rated 5 out of 5 stars
Judy L

Amazing. Been with them for years and anytime I need something they are right…

Amazing. Been with them for years and anytime I need something they are right there to assist.

Evil Empire Gaming!
Rated 5 out of 5 stars
Evil E Gaming!

Always a delight to deal with the team at Joy insurance!!

Always a delight to deal with the team at Joy insurance!!

Mary Sherman
Rated 5 out of 5 stars
Mary S

Thank you for everything for Insuring my business And helping me Throughout the…

Thank you for everything for Insuring my business And helping me Throughout the year

PATRICK RESTAINO
Rated 5 out of 5 stars
PATRICK R

Joy Insurance is a great experience compared to previous car insurances I had….

Joy Insurance is a great experience compared to previous car insurances I had. Various options and swift communication throughout the setup. Was helped by agent Karen and will recommend Joy Insurance to friends and family !

Evins J. Beneche Jr.
Rated 5 out of 5 stars
Evins J Beneche Jr.

Joy insurance is the way to go for all of your insurance needs. Over the last 6…

Joy insurance is the way to go for all of your insurance needs. Over the last 6 years, I have insured not only my small business but also my automobiles as well as our home. I have a dedicated representative assigned to me in James Dudgeon who answers any and all of my questions expeditiously. Chris Joy always tries his best to het the best rates possible. I highly recommend Joy Insurance. Sushil Bhagudia

Sushil Bhagudia
Rated 5 out of 5 stars
Sushil B

Joy insurance employees are very kind and helpful. I would recommend anyone to…

Joy insurance employees are very kind and helpful. I would recommend anyone to do buisness with them.

Rated 5 out of 5 stars
Dedra C

Great company, always helpful with great rates

Great company, always helpful with great rates

Gabe Nagy
Rated 5 out of 5 stars
Gabe N

5 stars!

firat ataman
Rated 5 out of 5 stars
firat a

Joy Insurance has been very attentive to my needs. Any questions I have was…

Joy Insurance has been very attentive to my needs. Any questions I have was answered in a timely manner, I highly recommend them.

Rated 5 out of 5 stars
beth m

5 stars!

Bobby Bartels
Rated 5 out of 5 stars
Bobby B

Nancy L. Rauscher Is my agent and I appreciate all of her hard work. She is…

Nancy L. Rauscher Is my agent and I appreciate all of her hard work. She is always there for me when I need her. And does not make you wait. Thank you Nancy for everything you do. I recommend Joy Insurance

lorraine montalvo
Rated 5 out of 5 stars
lorraine m

Professional and courteous and if I’m not too corny a “joy” to work with….

Professional and courteous and if I’m not too corny a “joy” to work with. I recommended family members and each have had a positive and successful relationship with them.

Rated 5 out of 5 stars
richard m

Joy Insurance will always work to get you the best coverage & rates. Excellent…

Joy Insurance will always work to get you the best coverage & rates. Excellent customer service.

WLM
Rated 5 out of 5 stars
WLM

5 stars!

Jimmy Ramlochan
Rated 5 out of 5 stars
Jimmy R

5 stars!

Rated 5 out of 5 stars
Jimmy R

See All Reviews
Categories
  • Auto Insurance
  • Business Insurance
  • Business Owners Package Insurance
  • Business Sense
  • Commercial Umbrella Insurance
  • Condominium Insurance
  • Contractor's General Liability Insurance
  • Cyber
  • Directors and Officers Liability Insurance
  • E-Commerce
  • Earthquake Insurance
  • Employment Practices Liability Insurance (EPLI)
  • Flood Insurance
  • General Liability Insurance
  • High Net Worth Coverage
  • Home
  • Homeowners Insurance
  • Manufacturers Insurance
  • Motorcycle
  • Non-Profit Insurance
  • Personal Insurance
  • Rental Property Insurance
  • Risk Management
  • Special Event Insurance
  • Technology Insurance

Contact

Joy Insurance
639 E Main St
Middletown, New York 10940

Phone: (845) 342-4888

Office Hours:
Mon-Fri: 9:00am-5:00pm
Sat-Sun: Closed

Joy Insurance Agency, Inc. BBB Business Review

Insurance

  • Personal Insurance
  • Business Insurance

About

  • About Us
  • Meet Our Team
  • Customer Reviews
  • Insurance Companies
  • Insurance Blog

Policy Service

  • Support
  • Online Billing & Payments
  • File A Claim
  • Policy Change Request
  • Annual Insurance Review

Joy Insurance provides home, auto and business insurance to Middletown, the Hudson Valley and all of New York and the Tristate Region.

© Copyright 2026 JOY Insurance | Privacy Statement | Accessibility Statement
  • Insurance
    • Personal Insurance
      • Auto Insurance
      • Homeowners Insurance
      • Motorcycle Insurance
      • – More Personal Lines
    • Business Insurance
      • Commercial Property Insurance
      • General Liability Insurance
      • Workers’ Compensation Insurance
      • – More Business Specialties
  • About
    • About Us
    • Meet Our Team
    • Customer Reviews
    • Insurance Companies
    • Insurance Blog
  • Support
    • Online Billing & Payments
    • File A Claim
    • Auto ID Card Request
    • Certificate of Insurance Request
    • Policy Change Request
    • Annual Insurance Review
    • Insurance Resources
  • Contact
    • Middletown Office
    • Secure Contact Form
    • Refer a Friend