Ben Rister

Fall is in Session: Time to Review Your Insurance Playbook The classrooms are buzzing, routines are back, and fall is here —make sure your coverage is ready for the season ahead.

Here’s your Fall checklist:

🚗 School Drop-Offs & Carpool Lanes – Extra miles mean extra risk. Let’s double-check your Auto Insurance.

🏡 Dorm Life & First Apartments – Whether moving into a dorm or renting your first place, Renters Insurance keeps your stuff safe.

📦 Changing Seasons, Changing Spaces – Remodeling, downsizing, or redecorating? Keep your Home Insurance in sync.

💼 Business Goals on Deck – New quarter, new opportunities. Let’s ensure your Business Insurance matches your momentum.

❤️ Family Comes First – Busy schedules shouldn’t mean unprotected priorities. Life Insurance keeps what matters most covered.

📍 Based in Saint Charles, Ben Rister State Farm is here to help you tackle Fall with confidence and coverage.

I am proud to be part of the State Farm family, helping customers protect what matters most for over 10 years. Since joining State Farm, I’ve built my career around a simple idea: insurance is more than just black and white—it’s about relationships and your confidence in us. My team and I do things a little differently because we believe in going above and beyond to help customers understand their options and feel secure in their choices.

At home, I’m lucky to be married to my incredible wife, Cara, and together we have two wonderful kids, Olivia, 7, and Max, 5, who keep us smiling and on our toes. They’re my biggest inspiration and a daily reminder of why it’s so important to have the right coverage in place for life’s surprises.

Our office provides a range of insurance coverages, from auto and home to renters and life insurance, along with additional options to meet unique needs. Whatever stage of life you’re in, we’re here to simplify the insurance process and offer support every step of the way. If you’re ready for an insurance experience that puts your needs first, give us a call—I’d love the chance to show you what makes our approach different!

My team of insurance professionals and I are excited for the opportunity to help customers with their insurance and financial services to help prepare them for life’s unexpected. We’re ready to help customers find the right policy for their auto insurance, homeowners’ insurance, renters’ insurance, ATV/UTV insurance, motorcycle insurance, life insurance, health insurance, and more. Click, call, or come visit us at our St. Charles, MO office today.

FAQ’s

-Question: How long has Ben been working with State Farm?

-Answer: Ben has over 10 years of experience with State Farm Insurance!

-Question: Is this office able to help me with all kinds of insurance?

-Answer: Yes, we offer auto, home, renters, life, health, business, disability, & more!

-Question: When do I need to get life insurance?

-Answer: As soon as possible! It’s important to make sure you and your loved ones are covered in the event of something unexpected. Give us a call or stop by our St. Charles office today and we can go over the options. The Ben Rister State Farm team is here to help you find the right plan for you.

-Question: Do I really need renters' insurance if I don’t own my home?

-Answer: Yes! Even if you don’t own the building, your personal belongings—like furniture, clothes, electronics, and more—still need protection. Renters insurance can also provide liability coverage in case someone is hurt in your space. Our team here at Ben Rister State Farm can walk you through affordable options and help you get covered today.