Trusted Insurance Company in Modesto, CA
A Century of Service, Rooted in Modesto
TSM Insurance—originally the Powell Agency, founded in 1928—has provided reliable coverage to California families and businesses for nearly 100 years. As a leading insurance company in Modesto, our mission is to protect families, businesses, and futures with integrity, reliability, and personalized service. From the oak-lined streets near Graceada Park to the vibrant downtown arts scene, Modesto’s character informs how we advise our clients: clear guidance, strong carriers, and policies calibrated to local risks. This page outlines our services, our approach, and why households and organizations choose our Modesto insurance agency near me for long-term protection and value.
Our Services
Our Insurance Services for Modesto Residents and Businesses
We design coverage to match real risks faced in Stanislaus County. Each service below links to a dedicated page for deeper details and quotes.
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Insurance Services
Auto Insurance
Personal auto policies should reflect daily driving realities across Highway 99, SR‑132, and busy local corridors like McHenry Avenue. Our car insurance Modesto CA solutions include:
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Liability coverage aligned to California minimums or higher limits for asset protection
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Collision and comprehensive for newer and financed vehicles, with OEM parts endorsements where eligible
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Uninsured/underinsured motorist coverage, important given statewide UM rates
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Roadside assistance and rental reimbursement options for commuting reliability
We analyze vehicle usage (commute vs. pleasure), annual mileage, garaging, and youthful driver profiles to optimize premium and protection. Discounts may apply for telematics, multi-policy bundling, defensive driving, and good student performance.
Insurance Services
Homeowners Insurance
Modesto’s housing includes mid‑century ranch homes, newer subdivisions, and historic properties near the College Area. Our homeowners insurance Modesto programs consider:
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Dwelling coverage calculated by local reconstruction costs (materials, labor, code upgrades)
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Extended replacement cost and ordinance or law endorsements to handle code compliance
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Personal property coverage with scheduled endorsements for jewelry, art, or collectibles
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Liability and medical payments, including higher umbrella limits for added protection
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Water backup, equipment breakdown, and service line coverage (commonly overlooked)
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Wildfire-adjacent risk assessment and hardening credits when available
We conduct a replacement cost estimate, evaluate roof age and condition, verify security and loss mitigation features, and recommend deductibles aligned to your risk tolerance.
Insurance Services
Life Insurance
TSM’s life insurance agents Modesto provide objective comparisons across term, whole life, and indexed universal life products. Use cases include:
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Income replacement and mortgage protection (term life with laddering strategies)
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Business continuity (buy-sell funding, key person insurance)
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Estate planning, legacy gifting, and cash value accumulation strategies
We assess coverage needs using income multiples, debt analysis, and future obligations (tuition, elder care). Underwriting options include accelerated, simplified issue, and full medical underwriting depending on face amount and health profile.
Insurance Services
Commercial Insurance
Local enterprises—from ag supply and food processing to retail on J Street—require tailored commercial insurance structures. We place:
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Business owners policies (BOP) with property, general liability, and business income
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Commercial auto for fleets and service vehicles operating around Modesto and the Central Valley
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Workers’ compensation with safety program support and experience mod analysis
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Professional liability (E&O), directors and officers (D&O), employment practices liability (EPLI)
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Inland marine and equipment floater coverage for mobile tools and farm-related assets
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Cyber liability with incident response, ransomware, and data restoration provisions
Our process includes a site walkthrough, COI tracking support, contract review for indemnity and additional insured requirements, and carrier selection based on financial strength and claims responsiveness.
Insurance Services
SR-22 and Specialty Policies
For drivers requiring financial responsibility filings, we file SR‑22 certificates promptly and structure non‑owner or owner policies to meet DMV requirements. Specialty placements also include:
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High‑value homes and excess liability umbrellas
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Classic cars, motorcycles, RVs, and boats
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Short‑term rentals and landlord packages
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Event liability for venues in and around Modesto
Trusted Insurance Company in Modesto
Why Choose TSM Insurance in Modesto
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Why Choose Us
Local Experience and Market Insight
Since 1928, our team has worked with Modesto’s evolving risk profile—housing growth to the north and east, traffic density along commuter corridors, and seasonal weather patterns that affect roofs, landscaping, and claims frequency. This context helps us recommend precise limits, endorsements, and carriers with proven performance in Stanislaus County.
Why Choose Us
Customer Service and Claims Advocacy
Our service model emphasizes proactive policy reviews, renewal remarketing when needed, and transparent communication. During claims, we coordinate with adjusters, document losses thoroughly, and help you navigate repairs and timelines. The objective is faster resolution and equitable outcomes, minimizing disruption to your household or operations.
Why Choose Us
Bilingual Support and Community Connections
We provide bilingual assistance (English and Spanish) to ensure clarity at every step—from quoting to claims. Our advisors support local initiatives and understand neighborhood nuances near the Gallo Center for the Arts, the Modesto Arch, and community events in downtown plazas. This proximity allows responsive, face‑to‑face consultations when preferred.
Testimonials
Client Feedback from Modesto
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“Professional, clear explanations, and no sales pressure. Our auto and home bundle improved coverage and lowered our premium.”
— L.R., Modesto
“They handled our SR‑22 filing the same day and helped us get back on the road.”
— M.D., North Modesto
“Outstanding claim support after a kitchen fire—fast communication and fair settlement.”
— S.P., La Loma
Location
TSM Insurance1317 Oakdale Road
Suite 910 Modesto, CA 95355
Phone: (209) 524-6366
Email: reception@tsminsurance.com
