Trusted Insurance Company in Sacramento, CA
Comprehensive Insurance Solutions for Sacramento Residents and Businesses
TSM Insurance, originally founded as Powell Agency in 1928, delivers comprehensive personal and commercial insurance solutions across Sacramento. Our mission is to protect families, businesses, and futures with integrity, reliability, and personalized service. With a century of continuous operation, we offer deep local experience shaped by decades of serving policyholders from Midtown to East Sacramento and beyond. From auto and home to life and commercial coverage, our advisors tailor policies to fit specific risks and budgets. Whether you commute along I-5, live near the State Capitol, or operate a storefront by the Tower Bridge, our Sacramento team delivers clear guidance, competitive options, and ongoing policy stewardship.
Our Services
Our Insurance Services in Sacramento
We provide a complete portfolio of coverage to meet Sacramento’s varied needs. Each service below links to an in-depth page for detailed coverage, discounts, and claims guidance.
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Insurance Services
Auto Insurance in Sacramento
Sacramento’s traffic corridors—from Highway 50 to I-80—create distinct risk profiles. We structure auto insurance to balance premium and protection, considering driving history, garaging address, and vehicle safety features.
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Coverage options: liability (BI/PD), comprehensive, collision, uninsured/underinsured motorist, medical payments, roadside assistance, rental reimbursement.
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Savings strategies: telematics-based programs for safe drivers, multi-policy bundling, good student discounts, advanced safety features, and mileage-based pricing.
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Claims approach: prompt reporting, preferred repair networks, OEM parts considerations for newer vehicles when applicable.
Insurance Services
Homeowners Insurance in Sacramento
Sacramento home insurance must account for varied construction ages, wildfire-adjacent exposures in the foothill interface, and water-related losses.
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Coverage options: dwelling (Coverage A), other structures (B), personal property (C), loss of use (D), personal liability (E), medical payments (F).
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Endorsements: extended replacement cost, ordinance or law, equipment breakdown, service line coverage, scheduled valuables, water backup, and cyber coverage for identity theft.
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Risk mitigation: defensible space best practices for homes near wildland areas, seismic retrofitting for older foundations, and water leak detection devices to reduce claims frequency and premiums.
Insurance Services
Life Insurance for Families and Business Owners
Life insurance supports family continuity and business succession. Our advisors model policy options based on income replacement, debt load, education funding goals, and buy–sell requirements.
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Term life: cost-efficient coverage for 10–30 years; suitable for income replacement during working years.
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Permanent life (whole, universal, indexed universal): lifelong protection with cash value that can support retirement or business liquidity.
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Business planning: key person insurance, buy–sell funding with cross-purchase or entity plans, and executive bonus strategies.
Insurance Services
Commercial Insurance for Sacramento Businesses
From tech startups in Midtown to contractors and restaurants in Natomas, commercial insurance should align with operations, contracts, and regulatory obligations.
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Core lines: general liability, commercial property, business interruption, commercial auto, workers’ compensation, and umbrella/excess liability.
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Specialized programs: professional liability (E&O), cyber liability, employment practices liability (EPLI), directors & officers (D&O), contractor’s equipment, inland marine, and builders risk.
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Risk control: OSHA compliance support, return-to-work programs to manage workers’ comp costs, cyber hygiene training, and vendor/contract review to address indemnity clauses and additional insured endorsements.
Insurance Services
SR-22 and Specialty Policies
We file SR-22 certificates promptly for drivers who need proof of financial responsibility. We also place specialty coverages for unique exposures.
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SR-22 filings: guidance on duration requirements, reinstatement steps, and premium impacts.
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Specialty: rideshare endorsements, classic and collector cars, short-term rentals (landlord/DP3), vacant property, flood, earthquake, and umbrella.
Trusted Insurance Company in Sacramento
Why Choose TSM Insurance in Sacramento
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Why Choose Us
A Century of Local Experience
Since 1928, TSM Insurance has navigated shifting market cycles, regulatory changes, and evolving risks in the Sacramento region. Our experience translates to accurate coverage recommendations, carrier selection informed by historical performance, and proactive policy reviews.
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Market depth: access to a broad set of national and regional carriers, helping us match risk profiles with competitive underwriting appetites.
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Data-informed advisory: use of location-based risk scoring (fireline, flood zones), construction data, and claims trends to set coverage limits and endorsements.
Why Choose Us
Customer Service Built on Reliability
We emphasize policy stewardship rather than one-time transactions.
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Annual coverage audits aligned with life events, property upgrades, or business growth.
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Claims advocacy: from first notice of loss to settlement, we coordinate with carriers, track milestones, and communicate timelines.
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Transparent options: clear comparisons of deductibles, limits, and total cost of risk so you can choose with confidence.
Why Choose Us
Community Connections and Bilingual Support
TSM Insurance serves a diverse Sacramento community and offers bilingual assistance in Spanish for consultations and claims support. We participate in local initiatives and maintain relationships with neighborhood associations and small business groups, reinforcing our commitment to service access and financial education.
Testimonials
Client Feedback from Sacramento
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“TSM reviewed our policies, added ordinance and law coverage, and reduced our premium. Their claims guidance after a water leak was precise and fast.”
— Homeowner, East Sacramento
“They set up a workers’ comp program with a return-to-work plan that lowered our experience mod over time.”
— Manufacturing Owner, South Sacramento
“I needed an SR-22. The team filed it the same day and explained my premium options without pressure.”
— Driver, North Natomas
Location
TSM Insurance1317 Oakdale Road
Suite 910 Modesto, CA 95355
Phone: (209) 524-6366
Email: reception@tsminsurance.com
