Business Details
28 Years
experience
Protecting What Matters Most Since 1998
At Rice & Fowler Insurance Agency, we have been dedicated to providing personalized insurance solutions since 1998. Our agency serves residents and businesses throughout Michigan, prioritizing client needs with expertise in home, auto, farm, business, and church insurance. We build lasting relationships by maintaining a client-centric approach, ensuring our policies adapt to evolving needs while maintaining transparency and integrity. Our team of licensed advisors represents top-rated carriers like Safeco Insurance and Grange, offering diverse coverage options tailored to individual circumstances.Committed to Michigan communities, we provide concierge-level service and continuous policy reviews to ensure optimal protection. By focusing on local market knowledge and industry-specific risks, we deliver actionable solutions for both personal and commercial clients. Our mission remains simple: empower clients with informed choices while upholding the highest standards of professionalism and accountability.
Services
Home Insurance
Auto Insurance
Business Owners Insurance
Farm Insurance
Church Insurance
Crop Insurance
Commercial Property Insurance
General Liability Insurance
Business Auto Insurance
Commercial Umbrella Insurance
Details
- Year established: 1998
Highlights and features
- We offer personalized insurance solutions tailored to Michigan residents and businesses
- Our team provides local market expertise in St. Johns, Grand Rapids, and Clinton County
- We represent multiple top-rated insurance carriers for comprehensive coverage options
- Our licensed advisors deliver continuous policy reviews and transparent communication
- We maintain a client-centric approach with dedicated support throughout the claims process
What people say
Personalized service
Competitive rates
Knowledgeable staff
Responsive support
Positive policy changes
Services
Home Insurance
Our home insurance policies protect Michigan residents against property damage, personal liability, and additional living expenses. We offer replacement cost coverage for structures and contents, ensuring adequate protection against inflationary construction costs. Our policies address unique risks like trampoline coverage, water damage, and valuable possessions through scheduled endorsements.
Business Owners Insurance
We provide comprehensive protection for Michigan businesses including property damage, liability, and business interruption coverage. Our policies address industry-specific risks for farms, contractors, and commercial properties. We help clients navigate complex exposures like secondary home liabilities and specialized equipment protection while ensuring compliance with changing regulations.
Auto Insurance
Our auto insurance solutions cover personal and commercial vehicles with options for standard coverage, collector cars, and business fleets. We address unique risks like off-premises theft coverage and umbrella policies for enhanced liability protection. Our team helps clients understand coverage limitations and optimize policy terms for their specific needs.
Flood Insurance
We offer flood insurance through the National Flood Insurance Program to protect homes and businesses against water damage. Our policies cover structural and content losses from flooding events, addressing risks in both high-risk and moderate-risk areas. We help clients understand policy terms and implement preventive measures to mitigate flood-related losses.
Umbrella Insurance
Our umbrella insurance policies provide excess liability protection beyond standard home and auto policies. We help clients protect assets against catastrophic claims from incidents like pool accidents or defamation lawsuits. Policies extend coverage for personal injury claims and provide financial security for high-exposure scenarios.
Questions
What types of insurance do you offer?
We provide home, auto, farm, church, business owners, and commercial insurance policies tailored to Michigan residents and businesses.
Do you serve areas outside St. Johns?
Yes, we serve Grand Rapids, Clinton County, and throughout Michigan with customized insurance solutions.
How do you help with claims?
We provide dedicated claims support, guiding clients through the process and advocating for fair resolutions with insurance carriers.
Can I get coverage for unique assets?
Yes, we offer specialized coverage for collector cars, wine collections, valuable possessions, and other unique assets through scheduled endorsements.
Are your policies customizable?
Yes, we tailor insurance solutions to individual needs, including flood coverage, umbrella policies, and business-specific protections.
How do you help save on insurance costs?
We compare multiple carriers to find competitive rates and continuously review policies to ensure optimal coverage at the best value.
