Business Details
28 Years
experience
Your Trusted Michigan Insurance Partner Since 1998
Since 1998, Rice & Fowler Insurance Agency has been dedicated to providing personalized insurance solutions to residents and businesses throughout Michigan. Our agency specializes in home, auto, farm, business, and church insurance, serving communities in St. Johns, Grand Rapids, Clinton County, and beyond. We pride ourselves on building lasting relationships and delivering exceptional service, always keeping your priorities at the forefront. As an independent agency, we represent multiple A+ rated carriers, offering a wide variety of coverage options and price points to meet your unique needs.Our team of licensed insurance advisors is committed to helping you make informed decisions, ensuring you receive the power of choice from top-rated national and regional insurance carriers. With over two decades of experience, we strive to provide a true concierge client experience, simplifying the insurance process and offering tailored solutions that protect what matters most to you.
Services
Home Insurance
Auto Insurance
Business Insurance
Farm Insurance
Church Insurance
Crop Insurance
Contractor Insurance
Trucking Insurance
Motorcycle Insurance
Umbrella Policies
Details
- Year established: 1998
Highlights and features
- We offer over 25 years of experience in Michigan insurance markets
- Our team provides personalized coverage options from top-rated carriers
- We guarantee competitive pricing with no hidden fees
- Our concierge client service includes proactive policy reviews
- We specialize in hard-to-place insurance solutions for unique needs
What people say
Exceptional customer service
Competitive pricing
Knowledgeable staff
Proactive policy reviews
Reliable claims support
Services
Home Insurance
Our home insurance policies protect Michigan homeowners against property damage, personal liability, and additional living expenses. Coverage includes replacement cost for structures, personal property protection, and liability safeguards. We offer specialized options for flood, umbrella policies, and valuable possessions, ensuring comprehensive protection for your primary residence or secondary home.
Business Insurance
Business owners insurance combines property and liability protection in one policy. We provide coverage for commercial property damage, general liability claims, business interruption, and specialized risks. Our policies protect Michigan businesses against unexpected losses, including equipment breakdown, cyber liability, and employment practices claims, with customizable options for various industries.
Auto Insurance
We offer comprehensive auto insurance solutions for Michigan drivers, including liability coverage, collision protection, and uninsured motorist options. Our policies cover personal and business vehicles with features like rental reimbursement, roadside assistance, and coverage for custom parts. We help clients select appropriate limits to protect assets while meeting state requirements.
Farm Insurance
Our farm insurance policies protect Michigan agricultural operations with coverage for farm structures, equipment, and liability risks. Policies include protection against crop losses, livestock coverage, and specialized protection for farm-related business operations. We offer tailored solutions for both small family farms and large commercial agricultural enterprises.
Umbrella Policies
Umbrella insurance provides additional liability protection beyond standard policy limits. We offer policies that cover personal and business-related liability claims, including legal defense costs and settlements exceeding primary policy limits. These policies protect assets against catastrophic losses from lawsuits or major liability incidents.
People
Nate Fowler Jr.
Agent, Owner
Nate Fowler Jr. brings decades of insurance expertise to our agency, focusing on personalized client solutions. With deep roots in Michigan's insurance market, he specializes in connecting clients with comprehensive coverage options that balance protection and affordability while maintaining strong carrier relationships.
Marc Delisle
Commercial Lines Manager
Marc Delisle manages our commercial insurance offerings with over 15 years of experience in business risk management. He helps Michigan companies navigate complex insurance needs, developing tailored solutions that protect against industry-specific risks while maintaining cost-effectiveness.
Annette Huntoon
Personal Lines Manager
Annette Huntoon oversees our personal insurance services, specializing in home and auto coverage for Michigan residents. With extensive knowledge of local risk factors, she helps families secure comprehensive protection while providing exceptional customer service and policy guidance.
Questions
What types of insurance do you offer?
We provide home, auto, business, farm, church, motorcycle, and umbrella insurance policies tailored to Michigan residents and businesses.
Are you available for after-hours emergencies?
While we maintain regular business hours, we provide emergency claims assistance through our partner carriers for urgent situations outside office hours.
How do you help clients save money?
As an independent agency, we compare multiple carriers to find competitive rates and regularly review policies to ensure optimal coverage efficiency.
Can you help with policy changes?
Yes, we offer policy adjustments through our service center, including coverage modifications, payment plan updates, and documentation requests.
Do you serve businesses only or personal clients too?
We serve both Michigan businesses and individual clients, offering comprehensive insurance solutions for residential, commercial, and specialty needs.
