RT Thomas Insurance

05/22/2026

Our office will be closing early to honor Memorial Day and remember the brave men and women who made the ultimate sacrifice for our country.

From all of us at R T Thomas Insurance Agency, we wish you and your family a safe and meaningful Memorial Day weekend. ❤️🤍💙

05/08/2026

Happy Mother’s Day from all of us at R T Thomas Insurance! 🌷

This weekend we celebrate the mothers, grandmothers, bonus moms, and mother figures who hold families together with strength, love, and endless support. Thank you for all the sacrifices you make and the care you give every single day.

Wishing you a day filled with love, laughter, and special moments with the ones who matter most. 💐❤️



www.rtthomasinsurance.com

04/28/2026

Quick thought

When your insurance renews… do you actually review it or just pay it? 😅

A lot can change... deductibles, coverage, and price, most people don’t notice until it matters.

We keep it simple at R T Thomas Insurance—quick review, clear answers, no pressure.

📩 Message us, and we can take a look!
www.rtthomas.com

04/27/2026

Office Closing at 1pm due to Severe Weather conditions!

🚨 Severe Weather Alert – St. Louis
Strong storms are expected this afternoon into tonight with potential for:
• Damaging winds
• Large hail
• Heavy rain
• Possible tornadoes
✔️ Secure outdoor items
✔️ Charge devices
✔️ Know your safe place
If you have damage, document it and contact us or your carrier.

R T Thomas Insurance is here when you need us. Stay safe. 💙

Insurance agency in St. Louis Missouri. Home, auto, life, business insurance, serving all of Missouri. Get your insurance quote today.

04/14/2026

Insurance Tips Tuesday 💡

Did you know your home insurance deductible might be a percentage, not a flat amount?

A lot of policies today have a 1% or 2% wind/hail deductible—which means:
🏠 If your home is insured for $300,000
➡️ A 1% deductible = $3,000 out of pocket
➡️ A 2% deductible = $6,000 out of pocket

That’s a big difference when a storm rolls through St. Louis.

We’ve been helping clients review this lately because many don’t realize what they’re responsible for until a claim happens.

If you’re not sure what yours is, it’s worth a quick look—happy to review it with you anytime.

Stay safe out there with these spring storms ⛈️

— RT Thomas Insurance
www.rtthomas.com

04/09/2026

That's my Ruby Sue, newest recruit for RT Thomas Insurance!! Helping us Celebrate Vicki Sarner Dubinsky B-Day!! 🥰

04/08/2026

Happy Birthday to our amazing Operations Manager, V! 🎉
Your hard work, organization, and dedication keep everything running smoothly and we are so grateful for you every single day.

We hope your day is filled with celebration, laughter, and everything you enjoy most. You deserve it! 🎂

www.rtthomas.com

03/30/2026

Monday check-in… especially after the storms we’ve had.

A lot of homeowners don’t realize what their policy actually covers until something happens.

Here’s what matters most:
• Roof coverage type (Replacement Cost vs Actual Cash Value)
• Wind/Hail deductible (this can be thousands)
• Matching siding coverage

The difference shows up when you file a claim—not when you buy the policy.

If you’re not 100% sure what you have, we can review it with you.

📞 314-725-5535
🌐 www.rtthomas.com

03/27/2026

Happy Friday from RT Thomas Insurance ☀️

Before you head into the weekend, here’s a quick insurance tip that could save you thousands:

Not all policies are created equal.

Two people can have the same home value…
but completely different outcomes when a claim happens.

🔹 Replacement Cost vs. Actual Cash Value
🔹 1% vs. 2% Wind/Hail Deductible
🔹 Coverage limits that actually match today’s rebuild costs

These are the details that matter when life happens.

At RT Thomas Insurance, we don’t just quote, we review, explain, and make sure you understand what you’re protected against.

If it’s been a while since you reviewed your policy, now is a great time.
www.rtthomas.com

03/26/2026

“💡 Insurance Tip: The biggest mistake people make isn’t having insurance, it’s assuming they’re fully covered.

Policies can have hidden gaps, outdated limits, or changes you weren’t aware of.

At R T Thomas, we help you understand your coverage so there are no surprises when it matters most.

📞 Call today for a professional coverage review.”