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Home Insurance

Your Home Is Important, Make Sure It’s Protected

You have to ask yourself…

What would happen if a disaster struck your home tomorrow? Are you confident you’re properly covered for damages and total loss? Would you be required to pay out of pocket for some or all the repairs?
These questions are crucial to address because major insurance carriers may put a hold on new clients prior to a forecasted natural disaster or weather event. More importantly, when you're facing a crisis, you’ll feel less pressure knowing:

  1. Your representative took the time to make sure you have the right protection

  2. Your insurance carrier has your back
     

What is Home Insurance for?

Home insurance covers the hazards that most homeowners face. When a loss occurs, you will file a claim with your insurance carrier, and you are paid for the expenses, minus any outstanding deductible amounts.
Insurance also covers personal liability exposures, to protect you from many situations that could lead to lawsuits from others.
For instance, if someone slips and falls in your home or is injured somewhere on your property, you can be held responsible. Liability coverage is there to protect you.

You could also potentially need insurance to protect you from having to pay for:

  • Storm damage, fire, windstorm, lightning, and hail

  • Dog bite liability 

  • Manufactured home coverage

  • Trampoline or swimming pool liability insurance

  • Wind damage

  • Sinkholes

  • Flood damage

  • Sewer or septic backups

  • Replacement cost for personal property

  • Umbrella liability insurance
     

When you see an independent insurance agent like us you have the chance to explore all your options for insurance, and protect the things that are most important to you.

Little-known facts about Homeowners Insurance

There are many things about insuring a home that most consumers aren’t aware of. We are here to make sure you avoid potential problem areas, including:

  • Most policies will not cover sewer backup, unless you purchase a special endorsement

  • Damages caused by surface water or water that flows below the surface of the ground aren’t usually covered

  • A standard homeowners policy typically does not include Flood Insurance

  • A standard homeowners policy only covers jewelry, up to set limits if the loss resulted from one of the perils named on the policy

  • Many policies default to actual cash value, which means if you purchased a widescreen TV and home theater system for $1,000, it may now only be worth $450, so that's all you'll receive on the claim. Just like the dwelling limit mentioned above, replacement cost insurance pays out the total replacement value of your possessions, not their market value, in the event of a claim.

  • IMPORTANT: You can combine your Home and Auto policies (and others) for even more savings.
     

Who needs to insure their homes?
 

  • Frame houses

  • CBS homes (Concrete Block Structure)

  • Manufactured homes

  • Mobile homes on acreage

  • Condos

  • Townhouses

  • Secondary homes

  • Homes you rent to others

  • Seasonal resident homes
     

Why We're Different

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.
After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your personal policy.
Contact us today, and we'll help you protect what matters most.

Our Personal Lines Team

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Guy Miligi

President

guym@tsminsurance.com

(209) 345-5545

Commercial & Personal Lines, Life & Health/Employee Benefits

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Tony Miligi

Chairman

tonym@tsminsurance.com

(209) 338-0704

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Adriana Mitchell

Agent

adrianam@tsminsurance.com
(209) 338-0689

Personal Lines (Spanish)

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Amy Mobley

Agent

amym@tsminsurance.com

(530) 221-3031

Commercial & Personal Lines (Redding)

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Bonnie Ring

Account Manager

bonnier@tsminsurance.com

(209) 338-0714

Life & Health/Employee Benefits

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Bob Franceschetti

Agent

bobf@tsminsurance.com

(209) 614-0340

Commercial Lines

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Brad Humble

Agent

bradh@tsminsurance.com
(209) 338-0716

Commercial Lines

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Carol Minjares

Bookkeeper

carolm@tsminsurnace.com

(209) 338-0701

Accounting

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Cheyenne Elkins

Senior Account Manager

cheyennee@tsminsurance.com

(209) 338-0718

Personal Lines

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Elizabeth Beard

Account Manager & Notary Public

lizb@tsminsurance.com

(209) 338-0708

Commercial Lines

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Emilie VonRotz

Senior Account Manager

emiliev@tsminsurance.com

(209) 338-0712

Commercial Lines

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Katie Silva

Agent

katies@tsminsurance.com

(209) 579-3639

Personal Lines

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Kayla Oliver

Senior Account Manager

kaylao@tsminsurance.com

(209) 338-0706

Commercial Lines

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Kimberly Gardner

Agent

kimg@tsminsurance.com

(530) 221-3031

Commercial & Personal Lines (Redding)

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Laura Konrath

Senior Account Manager

laurak@tsminsurance.com

(209) 380-0700

Commercial Lines

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Lindsey Bigelow

Personal Lines Assistant

lindseyb@tsminsurance.com

(209) 860-8141

Personal Lines

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Maggie Will

Account Manager

maggiew@tsminsurance.com

(209) 338-0697

Commercial Lines

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Mark Antrim

Agent

marka@tsminsurance.com

(209) 614-1416

Commercial & Health

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Mark Price

Agent

markp@tsminsurance.com

(209) 338-0710

Life & Health/Employee Benefits

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Morgan Bennett

Senior Account Manager

morganb@tsminsurance.com

(209) 338-0694

Life & Health/Employee Benefits

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Nick Antrim

Agent

nicka@tsminsurance.com

(209) 499-0694

Commercial Lines & Life

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Peyton Mann

Accounting Assistant

peytonm@tsminsurance.com

(209) 860-8141

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Randy Clark

Attache

randyc@tsminsurance.com

(209) 338-0705

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Robert Hicks

Agent

roberth@tsminsurance.com

(209) 338-0692

Life & Health/Employee Benefits

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Ryndee Medeiros

Senior Account Manager

ryndeem@tsminsurance.com

(209) 338-0687

Commercial Lines

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Scott Montez

Agent

scottm@tsminsurance.com

(209) 338-0709

Commercial Lines

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Tom Chiarchianis

Agent

tomc@tsminsurance.com

(209) 338-0698

Commercial Lines

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Velma Farinha

Agent

velmaf@tsminsurance.com

(209) 338-0696

Personal Lines (Portuguese, Spanish)

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Veronica Behrens

Account Manager

veronicab@tsminsurance.com

(209) 860-8112

Life & Health/Employee Benefits

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Mikayla Kroeker

Reception
mikaylak@tsminsurance.com

(209) 524-6366
Front Desk

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