Trusted Insurance Company in Stockton, CA
Proven Protection for Stockton Families and Businesses
TSM Insurance—originally the Powell Agency founded in 1928—delivers comprehensive personal and commercial coverage with a century of continuous service. As an established insurance company in Stockton, we combine rigorous risk analysis with attentive, local guidance. Our mission is clear: protect families, businesses, and futures with integrity, reliability, and personalized service. From neighborhoods near the Haggin Museum to businesses operating along the Stockton Deepwater Channel, our licensed advisors provide precise policy design, competitive options, and responsive claims support. This page explains our core offerings, how we serve Stockton, and why our legacy matters to your long-term financial security.
Our Services
Services We Offer in Stockton
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
Auto Insurance
Our Stockton CA car insurance solutions align coverage with your vehicle usage, driving history, and budget. We assess liability limits, comprehensive and collision needs, and endorsements that address Stockton-specific risks such as theft, vandalism, and storm damage.
Core components:
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Liability coverage: Bodily injury and property damage limits designed to protect personal assets
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Physical damage: Comprehensive and collision with deductible strategies to balance premium and out-of-pocket exposure
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Uninsured/Underinsured motorist: Critical protection given statewide exposure to inadequately insured drivers
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Medical payments and personal injury protection: Streamlined coverage for immediate medical costs
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Endorsements: Rental reimbursement, roadside assistance, custom equipment coverage
How we add value:
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Policy structuring with umbrella insurance integration for higher liability protection
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Multi-vehicle and multi-policy discounts where eligible
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Claims advocacy for efficient, documented outcomes
Insurance Services
Homeowners Insurance
As one of the Stockton home insurance providers with a long regional history, TSM Insurance helps you quantify dwelling replacement cost and choose coverage structures that address both common and emerging hazards.
Core components:
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Dwelling (Coverage A): Replacement cost calculation using construction data, materials costs, and local rebuild trends
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Other Structures, Personal Property, Loss of Use: Right-sized limits based on inventory and lifestyle
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Personal Liability and Medical Payments: Asset protection for premises and personal activities
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Scheduled property: Jewelry, fine art, or collectibles appraised and specified
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Endorsements: Water backup, equipment breakdown, service line coverage, and identity theft
Risk factors we consider in Stockton:
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Water intrusion and wind-related losses
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Fire risk and smoke damage
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Theft and liability exposures related to rentals or home-based businesses
Insurance Services
Life Insurance
Life insurance is a foundational tool for income replacement, debt management, and legacy planning. We structure policies to meet clear financial objectives and time horizons.
Policy types:
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Term life: Cost-effective protection for defined periods (10–30 years), ideal for mortgages and dependent care
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Whole life: Permanent coverage with guaranteed cash value accumulation and level premiums
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Universal life: Flexible premiums and adjustable death benefits, including indexed options
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Survivorship life: Estate planning and wealth transfer strategies for couples
Planning approach:
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Needs analysis: Income replacement, liabilities, education funding, and estate considerations
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Policy design: Balancing premium commitment with desired guarantees and flexibility
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Periodic reviews: Align coverage with life events and tax-aware strategies
Insurance Services
Commercial Insurance
Our commercial team supports local enterprises—from contractors and retailers to logistics and professional services—with structured risk management and tailored coverage.
Key coverages:
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Business Owners Policy (BOP): Property, general liability, and business interruption
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Commercial Property: Building, contents, equipment, and inland marine for tools in transit
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General Liability: Premises and operations, products-completed operations
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Workers’ Compensation: Statutory benefits and experience mod guidance
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Commercial Auto and Hired/Non-Owned Auto: Fleet and occasional use
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Professional Liability (E&O) and Directors & Officers (D&O): Advisory and governance exposures
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Cyber Liability: Data breach, ransomware, and regulatory response
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Employment Practices Liability (EPLI): Wrongful termination, discrimination, and harassment claims
Operational advantages:
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Contract review for insurance requirements and certificates
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Claims triage and loss control recommendations
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Premium optimization through deductibles, loss runs, and carrier negotiation
Insurance Services
SR-22 and Specialty Policies
For drivers requiring an SR-22 filing or clients with unique or higher-risk profiles, we deliver compliant, affordable solutions.
Offerings include:
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SR-22 filings: Prompt electronic submission and confirmation with the state
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Non-owner SR-22: For individuals who drive but do not own a vehicle
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Specialty auto: Classic cars, high-performance vehicles, rideshare endorsements
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Specialty property: Short-term rentals, vacant homes, and high-value dwellings
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Umbrella liability: Additional protection across auto, home, and recreational exposures
We focus on affordability without sacrificing essential protections, aligning with the goal of affordable insurance in Stockton while meeting underwriting requirements.
Trusted Insurance Company in Stockton
Why Choose TSM Insurance in Manteca
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Why Choose Us
Local experience
With roots dating back to 1928, TSM Insurance understands regional claim patterns, carrier appetites, and compliance nuances. Our long-term data allows us to calibrate limits, deductibles, and endorsements that reflect Stockton’s real risks.
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Customer Service
We provide clear explanations, same-business-day responses, and documented renewal reviews. You receive proactive guidance before policy anniversaries, not just reactive support after claims.
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Bilingual Support
English and Spanish-speaking team members assist with quotes, policy changes, and claims. This ensures precise communication across coverage details and timelines.
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Community Connections
We support local initiatives and maintain relationships with Stockton chambers and professional groups, enabling faster verification for certificates, vendor compliance, and community events.
Testimonials
Client Feedback from Stockton
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“Professional, thorough, and transparent. TSM helped us restructure our auto and home policies and reduced gaps we did not know we had.”
“After a fender-bender, they explained the claims process clearly and advocated for timely repairs. Excellent follow-through.”
“Our small business needed cyber and EPLI. TSM delivered options with side-by-side comparisons and handled certificates fast.”
Location
TSM Insurance1317 Oakdale Road
Suite 910 Modesto, CA 95355
Phone: (209) 524-6366
Email: reception@tsminsurance.com
