Your neighbors don't need another policy — they need the right one.
At L. J. Rice Insurance Agency, we compare coverage from multiple top-rated carriers so you get the protection your family or business actually needs — not the most expensive option on the shelf.
Insurance solutions built around your life
Whether you're protecting your home, your vehicle, your family's future, or your business — we find the right coverage at the right price.
Homeowners Insurance
Protect what matters most — your home, your belongings, and your peace of mind against life's unexpected events.
Learn moreAuto Insurance
From daily commuters to classic cars, we help you get behind the wheel with confidence and the coverage you deserve.
Learn moreLife Insurance
Secure your family's future with term, whole, or universal life policies tailored to your budget and long-term goals.
Learn moreBusiness Insurance
General liability, property, workers' comp — we help local businesses protect their investment and focus on growth.
Learn moreRenters Insurance
Your apartment or rental deserves protection too. Cover your personal property and liability without breaking the bank.
Learn moreClaims Assistance
When something goes wrong, we're right there with you — guiding you through the process so the stress is minimal.
Learn more
A locally owned agency that actually knows your name
L. J. Rice Insurance Agency has been a fixture in Millersville since day one. We're not a call center wrapped in a website — we're your neighbors, and we take that seriously.
What sets us apart is simple: we shop multiple carriers so you don't have to. That means we can match you with coverage that fits your actual situation, not a one-size-fits-all package. Whether it's a first-time homebuyer, a growing family, or a local business owner, we treat every policy like it's our own.
Insurance should feel simple, not stressful
We compare, you choose
We work with several top-rated insurance carriers, so we can find the policy that fits your needs and your budget — not just push the highest commission.
No jargon, no pressure
We explain your options in plain English. You'll never feel rushed, confused, or like you're being sold something you don't need.
Here when it counts
When life gets complicated — a claim, a claim denial, a policy question at 7 PM — you call us directly. No IVR menus, no waiting on hold.
Locally rooted
We live here, too. We know Millersville, we know the risks, and we know what coverage actually matters for our community.
What our neighbors say
After my roof was damaged in a storm, L. J. Rice walked me through every step of the claim. They made what could have been a nightmare actually manageable.
I switched from a big national company and saved money with better coverage. The team here actually took the time to understand what I needed instead of just selling me a package.
As a small business owner, I needed coverage I could actually understand. L. J. Rice broke it all down and found me a policy that protects my business without emptying my wallet.
Let's find the right coverage for you
Give us a call, send an email, or stop by our office. We'd love to hear from you and see how we can help.
Millersville, MO 63766
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