Business Details
28 Years
experience
Your Trusted Insurance Partner in St. Johns, MI
Rice & Fowler Insurance Agency has been dedicated to serving Michigan residents and businesses since 1998. Our mission centers on providing a concierge client experience, offering personalized insurance solutions tailored to individual needs. As an independent agency, we prioritize client interests over insurance company agendas, representing top-rated national and regional carriers to deliver diverse coverage options. With expertise in home, auto, farm, business, and church insurance, we focus on building lasting relationships through exceptional service and local market knowledge.Our team of licensed advisors ensures clients receive comprehensive protection, competitive pricing, and unwavering support during claims or policy adjustments. We emphasize transparency, proactive risk management, and continuous policy reviews to adapt to evolving client needs. Licensed in Michigan, we serve communities including St. Johns, Grand Rapids, and Clinton County, maintaining a steadfast commitment to simplifying insurance processes while safeguarding client assets.
Services
Home Insurance
Auto Insurance
Business Insurance
Farm Insurance
Church Insurance
Motorcycle Insurance
Crop Insurance
Contractor Insurance
Trucking Insurance
Details
- Year established: 1998
Highlights and features
- We offer personalized insurance solutions tailored to your unique needs
- Our experienced team provides reliable service and support during claims
- We represent multiple top-rated carriers for comprehensive coverage options
- We conduct regular policy reviews to ensure ongoing protection
- Our local expertise serves Michigan communities including St. Johns and Grand Rapids
What people say
Exceptional service
Competitive rates
Proactive policy reviews
Responsive claims support
Knowledgeable staff
Services
Home Insurance
Our home insurance policies protect Michigan residents' primary investments against fire, water damage, theft, and liability claims. Coverage includes replacement cost protection, additional living expenses during repairs, and scheduled valuable possessions. We help clients navigate risks like trampoline liability exclusions and flood protection through NFIP partnerships while ensuring compliance with evolving building codes.
Business Insurance
Business owners policies combine property and liability coverage for Michigan enterprises. We offer general liability, commercial auto, workers' compensation, and cyber liability insurance. Our solutions address business income loss from disasters, equipment breakdowns, and employment practices risks while providing umbrella policies for enhanced liability protection.
Auto Insurance
We provide Michigan-compliant auto insurance with bodily injury, property damage, and uninsured motorist coverage. Policies include physical damage protection for collision and comprehensive events, rental reimbursement options, and custom coverage for classic vehicles. Our advisors help clients understand minimum legal requirements versus optimal protection levels.
Farm Insurance
Specialized farm insurance protects Michigan agricultural operations against crop losses, equipment damage, and liability claims. We offer tailored policies covering barns, livestock, and seasonal risks while addressing unique exposures like chemical drift or livestock mortality through specialized endorsements.
Church Insurance
Our church insurance programs address Michigan religious organizations' specific needs, covering property damage, clergy liability, and abuse claims. Policies include protection for special events, volunteer activities, and cyber risks while offering customizable coverage for historical buildings and valuable artifacts.
People
Nate Fowler Jr.
Agent, Owner
Nate Fowler Jr. leads the agency with over two decades of insurance expertise, focusing on personalized client relationships and strategic risk management solutions for Michigan families and businesses.
Marc Delisle
Commercial Lines Manager
Marc Delisle specializes in commercial insurance with 15+ years of experience, helping Michigan businesses navigate complex liability and property coverage needs while maintaining top client satisfaction ratings.
Annette Huntoon
Personal Lines Manager
Annette Huntoon manages personal insurance portfolios with attention to detail, assisting clients in optimizing home and auto coverage while ensuring clear communication and prompt service.
David Fowler
Customer Service
David Fowler provides dedicated customer support, handling policy changes and claims coordination with efficiency while maintaining a client-focused approach to insurance management.
Kaetlyn LePard
Insurance Professional
Kaetlyn LePard assists clients with insurance solutions, leveraging industry knowledge to match Michigan residents with appropriate coverage options through attentive consultation.
Questions
What types of insurance do you offer?
We provide home, auto, motorcycle, farm, church, business owners, general liability, and commercial auto insurance tailored to Michigan residents' needs.
How can I file a claim?
Report claims through our Service Center portal or contact our office directly during business hours for immediate assistance with the claims process.
Do you offer policy reviews?
Yes, we provide complimentary policy reviews to ensure your coverage adapts to life changes and evolving protection requirements.
Are you available for emergencies?
While we don't offer 24/7 emergency services, we prioritize urgent matters during regular business hours and provide after-hours contact options.
How do you help find better rates?
Our independent status allows comparison across multiple carriers to secure competitive pricing without compromising coverage quality.
What areas do you serve?
We primarily serve St. Johns, Grand Rapids, Clinton County, and surrounding Michigan communities with localized insurance solutions.
