01 -
Heat a large skillet over medium heat and add ground beef. Cook while breaking apart with a spatula until mostly browned.
02 -
Add chopped onions and bell peppers to the skillet with beef. Cook for 5 to 10 minutes until vegetables soften.
03 -
Stir in minced garlic and cook for 1 to 2 minutes until fragrant, taking care not to burn it.
04 -
Mix in Worcestershire sauce, Italian seasoning, salt, pepper, beef broth, diced tomatoes, and uncooked rice until well combined.
05 -
Bring to a boil, then cover and reduce heat to simmer for 20 minutes, stirring halfway through, until rice is tender.
06 -
Remove lid and stir in half of the mozzarella and cheddar cheese until completely melted into the mixture.
07 -
Sprinkle remaining cheese evenly on top. Cover and let melt naturally or broil briefly if using an oven-proof pan. Serve immediately.