CLTC
Address:
9109 Watson Rd, Ste 100Saint Louis, MO 63126
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Protect What Matters Most
Whether it's your home, your family, your bike or your boat, see how Allstate can help protect the things that matter most to you in life.
Homeowners Insurance and Escrow
If you own a home, you may be required to open an escrow account. This may mean that you pay for expenses such as property taxes and homeowners insurance premiums as part of your monthly mortgage payment. Then, typically, your mortgage lender will use the escrow funds to pay those other expenses on your behalf. This kind of account can help you budget for these bills, which you may otherwise pay on your own once or twice a year.
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Can I Add a Friend to My Car Insurance?
Maybe you're thinking about saving some money by sharing car and insurance costs with your roommate. Or maybe you'd like to add your buddy to your policy, since he borrows your car from time to time. While it may be convenient to share a vehicle or to loan yours to a buddy, it's important to understand if your auto insurance provides coverage for other drivers and who can be added to your policy. Before you hand your keys to a friend, here are a few scenarios to consider.
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Rent Or Own Calculator
If you're wondering whether you should rent or own, there's a lot to consider. Aside from whether the space is right for you, how much maintenance you want to be responsible for and how to decorate, this decision can have financial implications. You'll need to consider monthly as well as long-term expenses in your decision. Use this calculator to help you compare the costs and whether renting or buying makes the most sense for you.
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How Much Do You Need for Retirement?
Whether you're dreaming of someday or retirement is just a few years away, it's important to have a good idea of how much you'll need to budget for in retirement. Maybe you're traveling the world or spending your days relaxing with a book in your own yard. Whatever your goals, it's important to make sure you look at the big picture and not overlook one of these factors that may affect how much you'll need during retirement.
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Photographers Insurance
Families and businesses trust you to capture some of life's most important moments - from weddings and first birthdays to ribbon cuttings and charitable events. Your clients rely on you to document their special occasions, and you are very careful about safeguarding those irreplaceable images. You should take the same care when choosing your business insurance, too, from making sure your equipment is covered to knowing you have liability protection if something is damaged during a shoot. I'm here to help make sure you can focus on business as usual.
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Motorcycle Insurance for a Brand New Bike
When it comes to helping repair a damaged bike, a standard motorcycle insurance policy typically accounts for depreciation in value. But, what if you have a brand new motorcycle? Three types of additional insurance coverage may help protect your investment in your new motorcycle. Need help determining if you're eligible for new motorcycle coverage? Give me a call.
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Condo Liability
When you get ready for company, chances are you're planning what to serve and making sure everything is clean. Someone getting hurt may not even cross your mind, but unfortunately something as simple as a friend tripping on your rug could lead to an injury and lawsuit. Thankfully, personal liability coverage is typically included in standard condo insurance and can help if you are sued due to an accident or if you damage someone else's property. Let's make sure you have the coverage that fits your life so that you can focus on enjoying time with your guests.
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What is a Personal Umbrella Policy and Do I Need One?
You have insurance to help protect your home and car, but what happens in situations where your standard insurance coverage is not enough? That's when a personal umbrella insurance policy (PUP) could help. If you're found legally responsible for damages resulting from an accident or if you're sued, a PUP may help prevent you from paying out of pocket for costs that exceed the limits of your homeowners or auto insurance. A PUP from Allstate may help cover attorney costs and lost wages, even if you're out of the country. If you're interested in increasing your protection, I'd be happy to talk to you about umbrella coverage today.
Learn More Ryan Sanders is insurance licensed in the state(s) of Illinois and Missouri. If you do not reside in the state(s) of Illinois or Missouri, 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 issued by Allstate Life Insurance Company: Northbrook, IL; 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.
Check the background of this firm on FINRA's BrokerCheck website.
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 issued by Allstate Life Insurance Company: Northbrook, IL; 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.
Check the background of this firm on FINRA's BrokerCheck website.
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