Personal Insurance
Diverse solutions tailored to your every need.
Auto insurance is essential for financial protection in case of accidents, theft, or damage, helping you stay compliant with state laws while offering peace of mind. There are different types of coverage to consider, including liability, collision, and comprehensive coverage, each tailored to specific needs and situations. Having the right coverage is crucial because it not only safeguards you against unexpected costs but also protects your assets and well-being. At TSM Insurance, we make it easy for you to find affordable rates by providing personalized options and expert guidance to ensure you get the coverage that best fits your needs and budget.
Boating insurance offers essential protection for your watercraft against accidents, theft, or damage, ensuring you're covered on the water while meeting legal requirements. There are various types of coverage to consider, such as liability, comprehensive, and collision insurance, each designed to safeguard you, your boat, and passengers. Having the right boating insurance is crucial, as it helps cover repair costs, liability in case of accidents, and even environmental damages. At TSM Insurance, we specialize in finding affordable boating insurance tailored to your needs, offering expert advice to ensure you’re fully protected while enjoying your time on the water.
Classic car insurance offers specialized protection for vintage and collector vehicles, safeguarding them against accidents, theft, or damage. With coverage options tailored to the unique value of your classic car, it provides protection that standard auto insurance doesn’t offer. Having the right coverage ensures that your prized possession is adequately protected in case of a loss. At TSM Insurance, we help you find affordable rates and customized coverage that suits the needs of your classic car, ensuring peace of mind for enthusiasts and collectors alike.
Earthquake insurance provides critical protection for your home and belongings in the event of an earthquake, covering structural damage, personal property, and temporary living expenses. This specialized coverage is essential in regions prone to seismic activity, where standard home insurance policies may not be sufficient. With earthquake insurance, you can ensure your home is protected against costly repairs and rebuilds. TSM Insurance offers expert guidance and affordable options to help you secure the right earthquake coverage tailored to your specific needs.
Flood insurance is essential for homeowners in flood-prone areas, providing coverage for water damage caused by flooding that standard home insurance policies may not cover. This includes protection for your home’s structure, belongings, and even costs associated with evacuation. Floods can be unpredictable, and having the right coverage ensures that you’re prepared for unexpected water damage. TSM Insurance helps you find the most affordable flood insurance options, giving you the protection you need at the best possible rates.
Home insurance offers comprehensive protection for your home, personal property, and liability in case of accidents or damage. It covers everything from fire and theft to vandalism and natural disasters, ensuring that your assets are safe and that you can recover quickly from unexpected events. Having the right home insurance is critical for financial security and peace of mind. At TSM Insurance, we provide personalized home insurance options that fit your needs and budget, helping you protect your home and everything in it.
Motorcycle insurance provides the protection you need on the road, covering accidents, theft, and damage specific to motorcycles. With coverage options such as liability, collision, and comprehensive insurance, it ensures that you’re protected in any situation. Whether you’re a seasoned rider or a newcomer, having the right coverage is crucial for safety and financial protection. TSM Insurance offers tailored advice and affordable motorcycle insurance options, ensuring you get the best coverage for your ride.
Rental property insurance provides crucial protection for property owners who lease out homes, apartments, or multi-family units. This specialized coverage helps protect the building itself, covers loss of rental income due to covered events, and shields you from liability claims made by tenants or guests. Whether you own a single rental property or manage a portfolio of units, the right insurance ensures you're covered in the face of unexpected situations like fire, storm damage, or tenant-related incidents. With rental property insurance, you’re safeguarding your investment and your long-term financial security. TSM Insurance offers tailored rental property insurance policies at competitive rates—so you can rent with confidence and peace of mind.
Renters insurance protects your personal belongings and provides liability coverage in case of accidents or damage within your rental property. This coverage includes protection from fire, theft, vandalism, and even natural disasters, offering peace of mind for renters. While your landlord’s insurance covers the building, renters insurance ensures your possessions are safe. TSM Insurance helps you find affordable renters insurance tailored to your needs, giving you reliable protection at competitive rates.
RV insurance provides protection for your recreational vehicle, covering damage, theft, and liability both on the road and while parked. Whether you use your RV for occasional getaways or full-time living, having the right coverage ensures that you're prepared for any unforeseen events. With RV insurance, you can protect your vehicle and the valuables inside, as well as ensure coverage for accidents on the road. TSM Insurance offers personalized RV insurance options at affordable rates, so you can travel with peace of mind.
Umbrella insurance offers additional liability coverage beyond the limits of your home, auto, or boat insurance, providing extra protection against large claims or lawsuits. It’s an essential layer of coverage for those seeking added security against unexpected events that could threaten their financial stability. Whether you’re facing a lawsuit or a major accident, umbrella insurance ensures you're covered for expenses above your policy’s limits. At TSM Insurance, we help you find the best umbrella insurance options to enhance your existing coverage and protect your assets.
TSM's Premier
Partnered
Insurers
Our Personal Insurance Partners
For decades, TSM Insurance has partnered with leading insurance providers across multiple sectors. Leveraging these partnerships allows us to offer competitive rates, enhanced policies, and tailored solutions for every scenario. From umbrella insurance to renters' coverage, we collaborate with well-recognized names to deliver unparalleled service.
Personal Insurance
We offer auto and home insurance bundles. Learn more!
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Personal Auto Insurance
Auto Insurance Solutions
Cover your vehicle with our reliable and affordable solutions. Whether you’re looking for liability-only policies or full coverage for ultimate safety, our expert team will help you choose the best plan. We proudly serve Modesto and surrounding areas. Rest easy knowing your car is covered.
Personal Renters Insurance
Renters Insurance Solutions
Protect your personal belongings and liability as a renter. TSM offers affordable solutions that protect you from unexpected damages and liability issues, ensuring peace of mind no matter where you call home. Whether it’s in Modesto, Turlock, or Manteca, or surrounding areas, we have you covered.
Personal Home Insurance
Homeowners Insurance Solutions
Buying a home is one of life’s biggest investments. Protect that investment with our robust homeowner policies, which can be customized with additional coverage for jewelry, antiques, or high-value items.
FAQs
Frequently Asked Questions
TSM Insurance Frequently Asked Questions (FAQs) provide clear and concise answers to common queries about TSM Insurance policies, coverage options, claims process, premiums, and customer support. They help clients understand their insurance plans better and assist in making informed decisions.
What is TSM Insurance's mission?
We’ve been protecting families, businesses, and futures for 100 years with unwavering commitment and integrity. Our mission is to provide personalized solutions to help individuals and families feel secure knowing their valued assets are protected.
What’s included in homeowners insurance?
Our homeowners insurance policies include coverage for property damage, liability, natural disasters (with optional earthquake or flood policies), and personal belongings.
Where does TSM Insurance serve?
TSM primarily serves Modesto, Stockton, and the Central Valley area, but we also provide coverage across California.
Is renters insurance worth it?
Absolutely! Renters insurance protects your belongings, usually at an affordable monthly rate. It’s the safety net you need if unforeseen events like theft or fire occur.
Does TSM Insurance cover classic cars?
Yes! We specialize in classic car insurance with providers like American Modern Classic Car Insurance to safeguard your vehicle while preserving its value.
How can I get a custom quote?
It’s simple! Click here to contact our team to discuss your specific insurance needs.
