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Thom Cereske

6185 Tittabawassee Rd Ste 4
Saginaw, MI 48603
P: (989) 497-0300
F: (989) 497-0212

Hours of Operation

Monday	9:00 a.m. - 5:30 p.m.
Tuesday	9:00 a.m. - 5:00 p.m.
Wednesday	9:00 a.m. - 5:00 p.m.
Thursday	9:00 a.m. - 5:00 p.m.
Friday	9:00 a.m. - 5:30 p.m.
Saturday	Closed
Sunday	Closed

Available By Appointment: Saturday

Areas Served

Saginaw Township, Saginaw City, Shields, Carrollton, Hemlock, Freeland, Frankenmuth, Birch Run, Bridgeport, St. Charles,
48603, 48602, 48638, 48604, 48623,

Services

Auto Insurance
Car Insurance
Insurance
Life Insurance
Insurance Agent
Annuities
Retirement
College Savings Plans
Business Insurance

About Me
Products & Services
Meet The Team

I’ve lived in Saginaw my entire life. Through the years, I’ve come to know many local families and developed many relationships. This local connection has helped me better understand the needs of Allstate customers, especially when it comes to their financial needs. From retirement accounts to college savings I’m available to help customers with a variety of financial solutions

One of the things I like best about working with Allstate is the variety of products and services I can offer customers. More than insurance, I can offer a variety of solutions to address their financial needs – such as saving for a child’s education or retirement.

I’m committed to helping you keep your financial life on track. Not only can I assist you with Allstate’s broad range of financial solutions, I can offer my knowledge to help you achieve your financial goals. That includes planning for your child’s education or planning your retirement.

Awards:
Chairman's Inner Circle-1 Year
Chairman's Conference-2 Years
Honor Ring-5 Years
Allstate Leader's Forum-2 Years

Community Services:
Saginaw Home Builders Assoc., Member Since 2002

Specialties:
Motorcycle
Boat
Life

Products & Services

Insurance is unlike any other product out there - you pay for it and hope you never have to use it. And that makes paying more than you need to that much more uncomfortable.
With a policy from Allstate, you can help keep your insurance costs low with the wide variety of discounts we offer. Keep in mind, not all discounts are available in every state. The best way to get all that you qualify for is to get an insurance quote specific to Saginaw.
You can get a rough "ballpark" insurance quote from many companies online, but talking with an agent allows you to ask questions and get a quote for coverage that matters most to you. An agent can prepare a quote that details the coverage, deductibles (your portion of a loss) and cost (premium) of your insurance policy.

Meet the Team

Beth Hernandez
Office Manager

bethsherman2@allstate.com
Beth has been in insurance for 15 yrs. Beth can assist with your insurance needs.

Chris Smith
Customer Consultant

csmith4@allstate.com
Chris is our new business specialist. Call Chris for your insurance needs or schedule a review of your current policies.

Bob Henderson
New Business Development

rhenderson1@allstate.com
Bob has years of customer service experience. Bob can answer your questions or help you with new insurance needs you might have.

Lorne Kolodin
Personal Financial Representative

lornekolodin@allstate.com
Lorne can help you reach your financial goals, set up new goals, help plan for college, or answer questions you might have. Call Lorne today to set up a appointment.

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Auto Insurance

In the stressful event that a car accident leaves you stranded, Allstate offers Towing and Labor Coverage which covers the cost of a tow or roadside assistance. This is just one of many options under our auto insurance policies. Ask an agent in Saginaw which policy may be right for you and ways you can save.

Auto Insurance >>

Property Insurance

Having Allstate Insurance for your house and property is one more way to protect your home. If you’ve taken other steps like installing a security system, fire sprinklers, and updating your electrical system, you may qualify for discounts that drop your premium. Speak with Thom Cereske at (989) 497-0300 about additional coverage such as Identity Restoration Coverage and high value items insurance.

Property Insurance >>

Power Sport Insurance

Our office located in Saginaw offers affordable snowmobile, motorcycle, motor home, boat, and ATV insurance coverage that helps protect you, your passenger, power sports vehicle and even someone else's property that may be damaged by your power sports vehicle. Allstate Insurance can even provide coverage while your vehicle is in storage during the off-season or when being towed.

Power Sport Insurance >>

Policy Management

Every claim is different. Your Allstate insurance claims team can give you a full list of what information is needed for the kind of claim you’re filing. And, even after the claim is closed, you can still count on me, Thom Cereske and my staff to be there if you have more questions. Just call us at (989) 497-0300.

Policy Management >>

Financial Products

If you're worried about what your investments will look like later on, you're not alone. Inflation, a fluctuating stock market, and other economic factors have made many people unsure of where to turn. An Allstate Personal Financial Representatives in Saginaw are ready to assist you in gaining control of your financial situation. From saving for college to buying a life insurance policy, we can help you.

Financial Products >>

Annuities

The day you finally get to retire should be filled with exuberance for the journey ahead, not stress. Retirement is a big financial burden–even if you've started saving, how can you know if it will be adequate, or if it will last as long as you need it to? Annuities from Allstate in Saginaw can help to ensure that you'll have a steady stream of income that you won't outlive. Call (989) 497-0300 to learn about Allstate's annuities.

Annuities >>

Renters Insurance

Did you know that if a house guest gets hurt at your place, even if it was a complete accident, you might be liable for medical bills. Allstate’s Guest Medical Protection, part of our Renters Insurance, helps cover your expenses if someone is injured in or around your home. Talk to Allstate agent Thom Cereske for more information.

Your Choice Auto

There’s nothing quite like buying a brand new car. There’s probably few things worse, though, than crashing your car not long after you got it. Allstate’s Your Choice Auto® offers New Car Replacement. If your auto is totaled within the first three model years, you won’t get a check for the depreciated value; you’ll get a new car. Contact your Allstate agent in Saginaw for more information.

Roadside Assistance

Got a teenage driver in the house? Rest assured that if he or she forgets to fill up the tank and runs out of gas or locks their keys in the car, Allstate’s Good Hands℠ Roadside Assistance is there to help. Available for no annual fee, you pay for this service only at those times when you really need it.

Auto Policy Discounts

Not sure if you can afford to keep your deductible as low as you’d like it to be? With Your Choice Auto® you can enjoy Allstate’s high-quality auto insurance coverage with exclusive rewards when you avoid accidents and more protection when you don’t. With our Deductible Rewards℠ you can get $100 off your deductible the day you sign up. Then get an additional $100 every year you go without an accident. Call your local Allstate agent in Saginaw to learn more.

Thom Cereske is insurance licensed in the state(s) of Michigan. If you do not reside in the state(s) of Michigan, please go to the Find an Agent section on allstate.com to search for another Allstate Agent or Personal Financial Representative.

Subject to terms, conditions & availability.

This material is intended for educational purposes only. Auto and homeowners insurance, and other property and casualty insurance products, are available from Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company and Allstate Fire and Casualty Insurance Company (Home Offices: Northbrook, IL); Allstate New Jersey Insurance Company and Allstate New Jersey Property and Casualty Insurance Company (Home Offices: Bridgewater, NJ); and Allstate County Mutual Insurance Company and Allstate Texas Lloyd's (Home Offices: Irving, TX). Life insurance and annuities issued by Allstate Life Insurance Company: Northbrook, IL; Lincoln Benefit Life Insurance Company: Lincoln, NE; and American Heritage Life Insurance Company: Jacksonville, FL. In New York, Allstate Life Insurance Company of New York: Hauppauge, NY. Securities offered by Personal Financial Representatives through Allstate Financial Services, LLC (LSA Securities in LA and PA). Registered Broker-Dealer. Member FINRA, SIPC. Main Office: 2920 South 84th Street, Lincoln, NE 68506. (877) 525-5727.

You should carefully consider the investment objectives, risks, charges and expenses of 529 college savings plans before purchasing or investing money. Additional information about these and other subjects can be found in the Plan Description. You may obtain copies of the Plan Description from your Allstate Personal Financial Representative. Please read the Plan Description carefully before purchasing or sending money.

Investors should consider whether the investor's or designated beneficiary's home state offers any state tax or other benefits that are only available with an investment in the home state's plan. Distributions taken prior to annuitization are generally considered to come from the gain in the contact first. If the contract is tax-qualified, generally withdrawals are treated as distributions of gain. Withdrawals of gain are taxed as ordinary income and, if taken prior to age 59 1/2, may be subject to an additional 10% federal tax penalty.

Any annuity payment is dependent on the ability of the issuer to pay its claims. An annuity may impose charges (including but not limited to surrender charges, mortality and expense risk charges, administrative fees, underlying fund expenses and feature charges) that can reduce the value of your account and the return on your investment.

Get your quote now - it's aseasy as a day at the beach!