Learn from our Experts.

Buying your first home in Modesto is an incredible milestone. It’s a journey filled with excitement, from touring homes in your favorite neighborhoods to finally getting the keys. But with this new chapter comes new responsibilities, and one of the most important is protecting your investment. Home insurance can feel complex, but it doesn't have to be. For nearly a century, our team at TSM Insurance has helped families across the Central Valley navigate this process, turning

Enjoying the beautiful waterways of California’s Central Valley is one of the great local pastimes. From the expansive California Delta to the shores of Don Pedro Reservoir, Modesto Reservoir, and Woodward Reservoir, our region offers endless opportunities for boating adventures. But before you launch your vessel, it’s crucial to understand the responsibilities that come with boat ownership. A common question we hear is, "Is boat insurance required in California?" The answer

The rumble of a vintage engine echoing through the streets of Oakdale is a sound many of us know and love. Our community, nestled in the heart of the Central Valley, has a deep appreciation for classic cars. From weekend cruises to local car shows, these vehicles are more than just metal and paint; they are rolling pieces of history, passion projects, and family heirlooms. Owning a classic car is a rewarding experience, but it also comes with a unique set of responsibilities,

Living in Salida or Ripon offers a welcome escape from the hustle of larger Central Valley cities, but it often means a daily commute. Whether you’re heading down Highway 99 to Modesto, hopping on the 120 toward Manteca, or traveling to clients in Turlock, those miles add up. They also directly impact one of your biggest vehicle-related expenses: auto insurance. Commuting in this region comes with unique challenges, from dense tule fog and summer heat to the realities of traf

Life in Riverbank offers a unique blend of small-town charm and convenient access to the greater Central Valley. From commuting on Highway 108 to weekend trips with the family, your vehicle is central to your daily routine. But as your family grows and your needs change, so do your insurance requirements. A simple auto policy might have been enough in the past, but is it providing the comprehensive protection and savings you deserve today? For many Riverbank families, the key

Owning a recreational vehicle in the Central Valley opens up a world of weekend adventures. Whether you're towing a trailer from Manteca to the Sacramento-San Joaquin River Delta, driving a motorhome from Lathrop toward Yosemite's grandeur, or heading south for the coastal breeze of Pismo Beach, your RV is your ticket to freedom. But with that freedom comes a unique set of risks. A standard auto policy often falls short of protecting your investment and your peace of mind. Un

Standard auto insurance isn't enough for your motorcycle. You need specialized coverage for risks unique to the Central Valley, like rural road hazards, theft, and wildfire ash. A tailored motorcycle policy protects your bike, your gear, and your financial future. Essential coverages include comprehensive, collision, uninsured motorist, and custom parts protection. Bundling your motorcycle policy with other insurance like home, auto, or renters can save you money. Talk to a l

Living in Ceres and Hughson offers the best of the Central Valley—community spirit, agricultural roots, and convenient access to major hubs like Modesto. But with that convenience comes daily commutes, often along State Route 99 or winding rural roads. These local driving conditions directly impact your auto insurance rates. While premiums can feel like a fixed expense, you have more control than you might think. Understanding how rates are calculated and what steps you can t

Finding the right Auto Insurance in Modesto, CA,  is more than just a legal requirement; it’s about protecting your vehicle, your financial well-being, and your peace of mind on the road. As we head into 2025, Modesto’s streets are busier than ever, and having the right coverage is crucial. Whether you commute daily on Highway 99, run a local business, or enjoy weekend drives through the Central Valley, your insurance policy needs to match your unique lifestyle. For nearly a

The way companies think about employee wellness is changing fast. It’s no longer just about offering a gym discount or a mindfulness app—it’s about creating a workplace where health, benefits, and productivity are all connected. Today’s most successful businesses understand that investing in employee wellness isn’t a cost; it’s a long-term strategy for better performance, retention, and culture. Modern employee wellness programs combine traditional benefits like health insura

Providing health insurance might be standard, but offering life insurance as part of your employee benefits package is what sets a truly thoughtful employer apart. It shows your team that you care about their well-being not just at work, but in life — and that level of trust builds loyalty in ways money alone can’t. Employer-sponsored life insurance gives employees peace of mind, knowing their families are protected if the unexpected happens. For businesses, it’s one of the m

Building the right employee benefits package isn’t just about checking boxes—it’s about creating a workplace people actually want to stay in. A well-designed benefits plan shows your team that you value their health, stability, and long-term success. It also helps your business stand out in a competitive hiring market where employees weigh benefits just as heavily as pay. The best employee benefits packages strike a balance between cost and care. They combine essential covera

Keeping great employees isn’t just about offering higher pay anymore—it’s about showing that you value their well-being. For many workers, health insurance is one of the biggest signs of that commitment. When employees know their medical needs—and those of their families—are covered, they’re more likely to stay loyal, engaged, and motivated at work. On the other hand, when coverage is limited or confusing, it can quietly undermine morale. Stress about healthcare costs leads t

Employee benefits have become one of the most important factors in attracting and keeping great employees—and in 2025, that’s truer than ever. Between new state requirements, evolving workforce expectations, and rising healthcare costs, small businesses can’t afford to treat benefits as an afterthought. They’ve become a strategic tool for staying competitive in today’s job market. The challenge for most employers isn’t whether to offer benefits—it’s knowing which ones matter

Most people think of health insurance as complete protection—until they realize it doesn’t cover dental cleanings, eye exams, glasses, or other everyday care that keeps you healthy. That’s where dental and vision insurance come in. These plans fill the gaps left by traditional health coverage, helping you stay ahead of small issues before they become expensive problems. Routine care like dental checkups or annual eye exams might seem minor, but skipping them adds up. Dental i

Buying health insurance is one of those decisions that feels both important and overwhelming. You want coverage that fits your family or business without paying for things you don’t need—but the fine print, plan types, and endless options can make it hard to tell what’s really worth it. That’s why so many people end up making the same common mistakes when choosing a plan. From focusing only on the monthly premium to skipping network checks or forgetting about prescription cov

Understanding health insurance often starts with learning a few key terms that control how much you pay and when. Words like deductible, copay, and premium show up on every policy, yet most people aren’t completely sure what they mean until a bill arrives. Knowing how these terms work together helps you see the full picture of your coverage—what’s included, what’s not, and where your money actually goes. For families and individuals trying to make sense of their healthcare co

Finding the best health insurance plan isn’t just about price—it’s about matching the right coverage to your real needs. The ideal plan helps you manage everyday care, emergencies, prescriptions, and preventive visits while keeping costs predictable. The challenge is that there’s no one-size-fits-all policy. A plan that works well for one person or family may not fit another’s medical needs, income, or preferred doctors. If you’ve ever compared health insurance plans online,

Health insurance can feel like a complex puzzle with too many moving parts. Between confusing terms and countless plan options, it's easy to feel overwhelmed. But at its heart, health insurance is a tool designed to protect your family's health and financial well-being. It provides a safety net, ensuring that you can access the medical care you need without facing crippling expenses. For families in California, having the right coverage is about more than just managing costs—

As a business owner, you expect clarity from your partners. When you review a supplier contract or a bank statement, you need to know exactly what you’re paying for and what you’re getting in return. Yet, when it comes to business insurance—one of the most critical protections for your company—that clarity is often missing. Policies arrive as thick documents filled with jargon, exclusions, and complex clauses, leaving you to hope you have the right protection. This lack of tr