Trusted Insurance Company in Manteca, CA
Trusted Insurance Company in Manteca, CA
TSM Insurance is a regional leader in personal and commercial insurance with a legacy that dates back to 1928, when we were founded as the Powell Agency. As an Insurance company Manteca residents can rely on, we combine nearly a century of experience with modern risk analysis to help protect families, businesses, and futures. Our Manteca clients appreciate our local insight—from commute patterns along Highway 120 to seasonal events at Woodward Park—that shape coverage decisions. This page explains our core services, our approach to client advocacy, and how our team supports the community with responsive service and bilingual expertise. You will also find links to dedicated service pages for deeper guidance, verified testimonials, and our location details to make getting help straightforward.
Our Services
Services We Offer in Manteca
As an independent agency, we work with multiple insurers to place policies that match your needs and budget. Our team evaluates coverage terms, forms, and endorsements so you can make decisions with clarity. Explore our core services below.
Add a Title
Insurance Services
Auto Insurance
Our advisors design Manteca auto insurance policies that reflect real driving conditions in San Joaquin County. We assess liability limits, comprehensive and collision needs, uninsured/underinsured motorist coverage, medical payments, and roadside assistance. For teen drivers, we provide cost-control strategies such as good-student discounts and telematics programs. For commuters on SR-120 and I-5, we evaluate higher liability limits and rental reimbursement to minimize disruption after a loss.
What you can expect:
-
Transparent comparisons across multiple carriers
-
Assistance with DMV filings, lienholder requirements, and gap coverage
-
Claims advocacy that coordinates estimates, repairs, and rental vehicles
Insurance Services
Homeowners Insurance
As Home insurance brokers in Manteca, we evaluate your home’s construction type, square footage, roof age, and proximity to brush zones to determine accurate dwelling limits and deductibles. We analyze extended replacement cost options, ordinance or law coverage, water backup, equipment breakdown, and service line endorsements. For clients near flood-prone areas or properties with solar arrays, we outline specialized endorsements and separate flood insurance considerations.
What you can expect:
-
Replacement cost estimates based on current local building costs
-
Scheduled coverage for jewelry, collectibles, and fine art
-
Bundling strategies with auto to reduce total premium
Insurance Services
Life Insurance
Our Manteca life insurance agents help you select term, whole, or indexed universal life based on time horizon, income protection needs, and estate considerations. We map policy design to financial goals, such as mortgage payoff, college funding, or business continuation. We also review beneficiary designations, laddering strategies for cost efficiency, and riders like living benefits, waiver of premium, and accidental death.
What you can expect:
-
Data-driven needs analysis (income replacement, debt, and long-term obligations)
-
Underwriting guidance for medical exams and accelerated underwriting where available
-
Policy reviews to ensure coverage keeps pace with life events
Insurance Services
Commercial Insurance
We support local businesses with tailored packages, including general liability, commercial property, business owners policies, workers’ compensation, commercial auto, professional liability (E&O), cyber liability, and employment practices liability. Whether you run a manufacturing shop near the Spreckels Park area, a restaurant on Yosemite Avenue, or a professional services firm, our team aligns coverage to contracts, leases, and regulatory needs.
What you can expect:
-
Risk assessments focused on operations, contracts, and supply chain exposures
-
Certificate of insurance turnaround to keep projects on schedule
-
Claims support that documents losses and manages carrier communication
Insurance Services
SR-22 and Specialty Policies
For drivers who require financial responsibility filings, we handle SR-22 submissions quickly and explain how they affect policy terms and duration. We also place specialty policies for motorcycles, classic cars, rentals, vacant homes, short-term rentals, umbrellas, and high-net-worth solutions.
What you can expect:
-
Fast SR-22 filings with the DMV
-
Access to niche carriers for unique risks
-
Guidance on restoring standard market eligibility over time
Trusted Insurance Company in Manteca
Why Choose TSM Insurance in Manteca
Add a Title
Why Choose Us
A Century of Expertise, Applied Locally
TSM Insurance has served policyholders since 1928. Our long operating history means we have experienced market cycles, regulatory changes, and claims trends that shape sound advice. In Manteca, we apply that history to local realities: wildfire mapping in nearby foothills, stormwater concerns, and vehicle density along major corridors. This localized underwriting context helps reduce coverage gaps.
Why Choose Us
Client-Centered Service With Measurable Standards
We prioritize accuracy, clarity, and speed. Our service standards include:
-
Response to client messages within one business day
-
Proactive renewal reviews 30–60 days before expiration
-
Plain-language summaries that explain limits, exclusions, and endorsements
-
Post-claim debriefs to improve risk controls and future coverage
Why Choose Us
Bilingual Support and Community Connection
We provide bilingual service (English and Spanish) to ensure every client understands their coverage and options. Our team participates in local events, supports youth sports, and maintains relationships with Manteca business associations. These connections keep us current on local developments that may affect rates and risks, including new construction and traffic pattern changes.
Why Choose Us
Transparent, Multi-Carrier Market Access
As independent brokers, we compare multiple reputable carriers. This market breadth allows us to align coverage quality, financial strength, and budget. We document comparisons so you can see how deductibles, sublimits, and endorsements change total value—not just price.
Testimonials
Client Feedback from Manteca
Add a Title
“TSM Insurance reviewed our home and auto policies and identified missing endorsements we didn’t know we needed. The explanation was clear, and the claim we had later was handled quickly.”
— R.L., Manteca
“We needed an SR-22 filed the same day. TSM submitted it, set up the policy, and walked us through each step. No surprises.”
— J.C., Manteca
“Our company required a certificate of insurance with special wording for a new vendor. TSM delivered within hours and helped us update our coverage.”
— A.P., Manteca
Location
TSM Insurance1317 Oakdale Road
Suite 910 Modesto, CA 95355
Phone: (209) 524-6366
Email: reception@tsminsurance.com
Contact Us
Getting Started with TSM Insurance
Speak with a licensed advisor who understands Manteca’s risks and regulations. We will review your current policies, explain coverage in plain language, and provide competitive options.
Our goal is straightforward: protect your family, your business, and your future with integrity, reliability, and personalized service.