Business Details
28 Years
experience
Your Trusted Insurance Partner in St. Johns, MI
Since 1998, Rice & Fowler Insurance Agency has been dedicated to providing personalized insurance solutions to residents and businesses throughout Michigan. Our agency prioritizes building lasting relationships and delivering exceptional service, always keeping client priorities at the forefront. As an independent agency, we offer a wide variety of insurance solutions from top-rated national and regional carriers, including Safeco Insurance and Grange. We specialize in home, auto, farm, business, and church insurance, serving communities in St.Johns, Grand Rapids, Clinton County, and beyond. Our team of licensed insurance advisors is committed to providing concierge-level client experiences, continuously seeking better rates and coverage options for our clients. We operate with transparency, ensuring clients are informed of any changes to fees or coverages while maintaining honest communication. Our mission is to protect what matters most to our clients through tailored insurance strategies and comprehensive risk management solutions.
Services
Home Insurance
Auto Insurance
Business Owners Insurance
Farm Insurance
Church Insurance
Crop Insurance
Commercial Property Insurance
Flood Insurance
Motorcycle Insurance
General Liability Insurance
Details
- Year established: 1998
Highlights and features
- We offer personalized insurance solutions tailored to Michigan residents' unique needs.
- Our independent agency provides access to multiple carriers for competitive pricing.
- We specialize in home, auto, farm, business, and church insurance coverage.
- Our team maintains continuous communication about policy changes and coverage updates.
- We've served Michigan communities with integrity since 1998.
What people say
Personalized solutions
Helpful team
Competitive rates
Great communication
Continuous support
Services
Home Insurance
Our home insurance policies protect Michigan residents' primary residences against common risks including fire, water damage, and personal liability claims. We offer replacement cost coverage for both structures and personal property while ensuring compliance with current building codes. Our policies include additional living expense coverage for temporary housing needs during repairs.
Auto Insurance
We provide comprehensive auto insurance solutions for Michigan drivers, including liability coverage, collision protection, and uninsured motorist benefits. Our policies cover personal vehicles, collector cars, and business auto needs with customizable options for different driving profiles and vehicle types.
Business Owners Insurance
Our business insurance packages combine property, liability, and specialized coverages for Michigan businesses. We offer tailored solutions for commercial property protection, general liability risks, and business auto fleets while providing umbrella policies for additional liability limits.
Farm Insurance
We specialize in farm insurance policies that protect Michigan agricultural operations from crop losses, equipment damage, and liability claims. Our coverage includes specialized protection for farm structures, livestock, and seasonal crop variations while addressing unique rural property risks.
Church Insurance
Our church insurance programs address the specific needs of Michigan religious organizations, covering property damage, clergy liability, and event-related risks. We provide protection for worship spaces, educational programs, and community outreach activities while offering specialized coverage for valuable religious artifacts.
Questions
What types of insurance do you offer?
We provide home, auto, farm, business, church, and crop insurance with specialized coverage options for Michigan residents and businesses.
Why choose an independent agency?
As an independent agency, we offer multiple carrier options to find you competitive rates and tailored coverage solutions that meet your specific needs.
Do you serve areas outside St. Johns?
We serve clients throughout Michigan including Grand Rapids, Clinton County, and surrounding areas beyond our St. Johns office location.
How do I file a claim?
Visit our Service Center online or contact us directly at 989-224-7614 to report claims and receive guidance through the entire claims process.
Can I manage policies online?
Yes, our clients can manage policies through our Service Center portal for convenient access to policy changes, bill payments, and document requests.
How often should I review my coverage?
We recommend annual policy reviews to ensure your coverage keeps pace with life changes, property value fluctuations, and evolving risk exposures.
Reviews (6)
Luis Guzman
Jun 01, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Im really Happy With this Insurance agency are agent Ana Lugo in Kentwood Mi is been really helpful and responsible since the first day , she make everything easier for Us !!
Im really Happy With this Insurance agency are agent Ana Lugo in Kentwood Mi is been really helpful and responsible since the first day , she make everything easier for Us !!
Theron Shinew
Dec 08, 2019
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It was time to shop around for Home and Auto Insurance, I have had my Motorcycle Ins through them for a while now. Ashley of Rice and Fowler Ins. Agency was very helpful in determining that they were the most cost-effective solution for my other Insurance. Very responsive, and helpful.
Theron S. 2019
Theron S. 2019
Mark Zuzelski
Nov 24, 2019
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The ladies at R&F are always very helpful whenever I call with a question or request.
Marc D is an excellent agent; for example, when we purchased new RV, he was proactive in suggesting alternatives coverage issues.
Marc D is an excellent agent; for example, when we purchased new RV, he was proactive in suggesting alternatives coverage issues.
Pamela Horvath
Sep 27, 2019
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Wonderful experience! They took the time to contact me on a substantial homeowners insurance savings! Very pleasant and friendly!
Kelli Nash
Jun 12, 2019
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Annette was so easy to work with even when I would throw changes at her. She was patient and informative. We had a great experience while switching our insurance!
Nicki Santino
Jan 06, 2019
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Annette was very friendly and professional. I received a quote timely and she made the paperwork process easy. I would recommend Rice and Fowler for your insurance needs. I have been with this agency since 2008 when I purchased my first home.
