Trusted Insurance Company in Oakdale, CA
Trusted Insurance Company in Oakdale, CA
TSM Insurance is a full-service, independent insurance company serving Oakdale, CA, and the surrounding Central Valley. Founded as the Powell Agency in 1928, our firm has safeguarded families, businesses, and futures for nearly a century. Our mission is straightforward: provide accurate guidance, reliable protection, and personalized service. As a local presence near the Oakdale Chocolate Festival grounds and the gateway to the Sierra, we combine regional insight with disciplined risk management. This page explains our capabilities across personal and commercial lines, how we support clients through changing market conditions, and why households and organizations rely on us for objective advice and comprehensive coverage.
Our Services
Services We Offer in Oakdale
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.
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Insurance Services
Drivers in Stanislaus County face varied risks, from SR-108 commuter traffic to weekend trips along State Route 120. A well-structured auto policy should align with your vehicle type, driving record, and liability exposure. We help you:
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Right-size liability limits to protect assets and comply with California’s minimum requirements
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Evaluate physical damage coverage (collision and comprehensive) based on vehicle value and loan/lease terms
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Consider higher uninsured/underinsured motorist limits given regional traffic patterns
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Add endorsements like rental reimbursement, roadside assistance, and OEM parts where appropriate
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Manage youthful driver strategies (good student discounts, telematics, driver training credits)
Start here to compare options for Auto insurance Oakdale and build a policy that meets everyday and long-distance driving needs.
Insurance Services
From historic bungalows near downtown Oakdale to newer builds on the city’s edge, property policies must reflect dwelling characteristics, local construction costs, and hazard exposures. We focus on:
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Accurate dwelling replacement cost estimations using current cost indices
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Extended or guaranteed replacement cost endorsements for rebuilding volatility
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Ordinance or Law coverage for code upgrades
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Personal property schedules for high-value items (jewelry, art, instruments)
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Water backup, equipment breakdown, and service line endorsements
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Wildfire-aware underwriting and defensible space guidance when applicable
If you are comparing Oakdale home insurance quotes, we will present carrier options, coverage comparisons, and deductible scenarios in a clear side-by-side format.
Insurance Services
Life insurance is a foundational tool for income protection, estate planning, and business continuity. We provide an objective analysis of:
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Term life for cost-effective income replacement over defined periods
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Whole life for permanent coverage and guaranteed cash value accumulation
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Universal life (including indexed and variable options) for flexible premiums and long-term planning
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Buy-sell funding, key person, and executive bonus strategies for organizations
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Beneficiary designations and policy reviews to prevent gaps and ownership issues
We construct a coverage plan based on income needs, debts, education goals, and legacy objectives, then test scenarios for inflation and market variability.
Insurance Services
Oakdale’s economy includes agriculture, manufacturing, construction, retail, hospitality, and professional services. We design commercial programs for single-location operations and regional firms alike. Common components:
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Property and Business Income, including equipment breakdown and spoilage where relevant
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General Liability and Products/Completed Operations with appropriate aggregates
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Commercial Auto and Hired/Non-Owned Auto for fleets and sales teams
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Workers’ Compensation with experience mod analysis and safety program support
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Cyber Liability for data breach, ransomware, and business interruption
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Professional Liability (E&O), Directors & Officers (D&O), and Employment Practices Liability (EPLI)
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Inland Marine for tools, mobile equipment, and cargo
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Farm and Agri-business packages tailored to local producers and processors
We also coordinate certificates of insurance, contract review for insurance requirements, and annual stewardship reports to document results and improvements.
Insurance Services
SR-22 and Specialty Policies
We assist drivers who need SR-22 filings after license suspensions or certain violations. Our process is structured and transparent:
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Carrier selection for SR-22 eligibility and competitive rates
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Immediate electronic filing with the DMV when available
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Guidance on maintaining continuous coverage to avoid re-filing
We also place specialty lines, including umbrella, classic car, short-term rental (landlord/host), vacant dwelling, rental property, flood, and earthquake.
Trusted Insurance Company in Oakdale
Why Choose TSM Insurance in Oakdale
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Why Choose Us
Local Experience and Market Insight
Operating continuously since 1928, TSM Insurance has navigated hard and soft market cycles, evolving state regulations, wildfire seasons, and construction cost swings. In Oakdale, our advisors understand how local building trends, commuting patterns, and regional weather influence risk profiles. This local context allows us to anticipate underwriting concerns and advocate effectively with carriers.
Why Choose Us
Service Model Focused on Clarity
We prioritize accuracy and education. Every recommendation includes a summary of coverage intent, limits, exclusions, and relevant endorsements. We use plain-language coverage comparisons, renewal timelines, and claims checklists so you can act with confidence. When claims occur, our team coordinates documentation, helps interpret policy provisions, and communicates with adjusters to keep the process moving.
Why Choose Us
Community Connections and Bilingual Support
We are invested in Oakdale through local partnerships, sponsorships, and participation in civic events such as the Oakdale Rodeo and seasonal downtown activities. To ensure access, we offer bilingual support in English and Spanish for quoting, policy service, and claims assistance. This improves communication during time-sensitive decisions and helps families and businesses maintain accurate records.
Testimonials
Client Feedback from Oakdale
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“Professional, responsive, and clear. TSM found better limits for our auto and bundled our home to reduce total cost. The policy explanations made decisions simple.”
— Homeowner, Oakdale
“Our farm operation needed tailored coverage for equipment and seasonal labor. TSM aligned our policies and improved our certificates process. Excellent follow-through.”
M.D., Oakdale
“After an SR-22 requirement, they filed the paperwork fast and helped me stay compliant. Transparent pricing and no surprises.”
— S.P, North Oakdale
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 an advisor for a no-obligation review of your insurance program. We will analyze current policies, identify gaps, and present precise recommendations.
We look forward to helping you secure coverage that reflects your goals and protects what matters most.