TSM Insurance: Supporting Families Across All Central Valley Communities

For a century, TSM Insurance has been more than just an agency; we are a neighbor, a partner, and a steadfast protector of families, businesses, and dreams across California’s Central Valley. From the fertile fields of Oakdale to the bustling city centers of Modesto and Stockton, our roots run as deep as the communities we serve. Our mission has always been to provide personalized insurance solutions built on integrity, reliability, and a client-first approach.

This commitment extends through every town and city we call home, including Modesto, Turlock, Manteca, Ripon, Ceres, Hughson, Lathrop, Riverbank, Escalon, and beyond. We understand the unique challenges and opportunities of living and working in this vibrant region because we live and work here too.

For 100 years, TSM Insurance has provided tailored personal, commercial, and agricultural insurance solutions to Central Valley communities. We offer everything from auto and home insurance in Modesto and Turlock to specialized business and farm coverage in Oakdale and Manteca. Our deep local knowledge, history of strategic growth, and client-first values allow us to protect what matters most to you. We are your neighbors, committed to securing your future with comprehensive and reliable coverage.

A Century of Service: Our Legacy in the Central Valley

Our story is woven into the fabric of the Central Valley. It began in 1928 when Art Powell founded a small agency with a simple goal: to serve his community. This foundation of trust was strengthened in 1975 when Tony Miligi joined, bringing a passion for community-focused protection. By 1981, Tony and his partners acquired the agency, officially forming TSM Insurance and setting a course for growth centered on the needs of Central Valley residents.

Key milestones have defined our journey and expanded our ability to serve you:

• 1986: We acquired Grange Insurance Company's Central Valley operations, a pivotal move that solidified our regional leadership.

• 1991: A merger with Clark & Clark Insurance deepened our expertise and reinforced our commitment to comprehensive solutions.

• 2010: Acquiring the Oliver Simas Agency allowed us to better serve clients in Manteca and surrounding areas.

• 2021: We welcomed Davis & Associates of Stockton, an agency with a 60-year legacy, into the TSM family, enhancing our presence in San Joaquin County.

• 2023: Our most recent acquisition of Arrowhead Insurance expanded our reach to Modesto and Redding, allowing us to protect even more California families and businesses.

Through it all, our core values of integrity, reliability, and a client-first approach have remained our north star. We are not just an insurance provider; we are a partner dedicated to your security and prosperity.

Personal Insurance: Protecting Your Family and Assets

Your life is unique, and your insurance should be too. We specialize in crafting personalized coverage that protects your family, home, and lifestyle against the unexpected.

Finding the Right Auto Insurance in Modesto, CA

Navigating the roads of Modesto, from the traffic on McHenry Avenue to the quiet streets of the Village One neighborhood, requires reliable auto insurance. Whether you commute daily on Highway 99 or enjoy weekend drives to Yosemite, having the right protection is essential.

We help you find coverage that fits your needs, considering factors like your driving habits, vehicle type, and budget. Our agents explain the differences between liability, collision, and comprehensive coverage so you can make an informed decision. We also look for every available discount, such as multi-policy bundles and good driver rewards, to ensure you get the best value.

Securing Your Home with Home Insurance in Turlock, CA

Your home is your sanctuary and your most significant investment. Protecting it is our priority. For homeowners in Turlock, from historic downtown properties to new developments, we provide comprehensive policies that cover your dwelling, personal belongings, and liability. We understand local risks, such as seasonal weather and the potential for property crime, and we build policies that address them head-on. Our goal is to give you peace of mind, knowing that if a disaster strikes, you have the support to rebuild and recover.

Essential Coverage: Renters Insurance in Modesto, CA

If you rent an apartment in downtown Modesto or a house in a quiet suburban community, your landlord’s insurance does not cover your personal belongings. Renters insurance is an affordable and vital safety net that protects your furniture, electronics, clothing, and other valuables from theft, fire, or water damage. It also provides liability coverage in case someone is injured in your unit. We can help you secure a policy quickly and affordably, giving you the protection you deserve.

Freedom on Two Wheels: Motorcycle Insurance in Manteca, CA

Riding through the Central Valley, with its open roads and scenic landscapes, is a unique experience. Whether you’re cruising through Manteca on your way to a local event or taking a long ride through the Delta, having proper motorcycle insurance is non-negotiable. We offer specialized coverage for a wide range of bikes, protecting you, your passenger, and your motorcycle. Policies can include liability, collision, and comprehensive coverage, as well as protection for custom parts and accessories.

Exploring the West Coast: RV Insurance for the Central Valley, CA

The Central Valley is the perfect starting point for countless adventures. With an RV, you have the freedom to explore California’s national parks, coastlines, and deserts. Standard auto insurance is not enough for these homes on wheels. RV Insurance in Central Valley, CA provides specialized protection for your vehicle, its contents, and your liability while parked at a campsite or traveling on the road. We insure all classes of motorhomes, travel trailers, and campers, ensuring your adventures are worry-free.

Specialized Coverage for Unique California Risks

Living in the Central Valley means being prepared for specific natural disasters. We offer crucial policies that many standard home insurance plans do not include, providing a critical layer of financial protection.

Protecting Against Water Damage with Flood Insurance in Modesto, CA

Many areas in Modesto and the surrounding San Joaquin Valley are located in or near flood zones. Spring thaws, heavy rains, and levee issues can lead to devastating water damage that is not covered by a standard homeowner's policy. We provide access to Flood Insurance in Modesto, CA, through the National Flood Insurance Program (NFIP) and private carriers. This coverage can protect your home’s structure and your personal belongings, giving you the resources to recover after a flood.

Are You Prepared for the Next Big One? Earthquake Insurance in California’s Central Valley

California is earthquake country, and the Central Valley is not immune to seismic activity. An earthquake can cause catastrophic damage to your home’s foundation, structure, and contents. Standard home insurance policies explicitly exclude this peril. We help families secure Earthquake Insurance in California Central Valley to bridge this critical coverage gap. This policy can be the difference between financial ruin and the ability to rebuild your life after a major quake.

Comprehensive Liability: Umbrella Insurance in Modesto, CA

In an increasingly litigious world, a standard liability limit on your home or auto policy may not be enough to protect your assets from a major lawsuit. An Umbrella Insurance in Modesto, CA policy provides an extra layer of liability protection above and beyond your existing policies. It activates when your primary limits are exhausted, safeguarding your savings, investments, and future earnings from a significant claim. This is an affordable way to secure your financial future.

Business Insurance: Shielding Your Livelihood in the Central Valley

The Central Valley is home to a diverse and dynamic business community. From family-owned farms to innovative tech startups, TSM Insurance provides the commercial coverage you need to operate with confidence.

Complete Protection with Business Insurance in Modesto, CA

Every business in Modesto, whether it’s a retail shop on J Street or a manufacturing plant in the Beard Industrial District, faces unique risks. We offer comprehensive Business Insurance in Modesto, CA, packages, including Business Owner's Policies (BOPs), that bundle essential coverages like general liability and commercial property. Our agents take the time to understand your operations, identify potential exposures, and craft a policy that protects your assets, employees, and bottom line.

On the Move: Commercial Auto Insurance for the Central Valley

If your business uses vehicles to transport goods, equipment, or people, a commercial auto policy is essential. From a single delivery van to a large fleet of trucks, we provide Commercial Auto Insurance Central Valley businesses can rely on. This coverage protects your vehicles, your drivers, and your company from liability in the event of an accident. We insure a wide range of commercial vehicles and can customize a policy to match your specific operational needs.

Building Success with Contractors Insurance in Turlock, CA

The construction and trade industries are booming in Turlock and the surrounding areas. We provide specialized Contractors Insurance in Turlock, CA, for general contractors, electricians, plumbers, landscapers, and other skilled tradespeople. Our policies are designed to meet contractual requirements and protect you from the inherent risks of the job site, including property damage, third-party injuries, and equipment theft.

Foundational Coverage: General Liability Insurance in Modesto, CA

Every business needs a strong foundation of protection against claims of bodily injury or property damage. General Liability Insurance in Modesto, CA, is that foundation. It covers legal fees, settlements, and medical costs if your business is found responsible for an accident. Whether a customer slips and falls in your store or an employee damages a client’s property, this coverage is your first line of defense.

Protecting Your Team with Workers Compensation Insurance in Modesto, CA

Your employees are your greatest asset. Protecting them from workplace injuries is not just a legal requirement in California—it’s the right thing to do. Workers Compensation Insurance in Modesto, CA, provides medical benefits and wage replacement to employees injured on the job. It also protects your business from lawsuits related to workplace injuries. We help businesses of all sizes implement a robust workers' compensation program that promotes safety and ensures compliance.

Navigating Digital Dangers with Cyber Liability Insurance for the Central Valley

In today's digital world, no business is safe from cyber threats. A data breach can lead to devastating financial losses, reputational damage, and legal penalties. Cyber Liability Insurance Central Valley coverage is designed to help your business respond to and recover from a cyberattack. It can cover costs associated with data recovery, customer notification, credit monitoring, and legal defense, providing a critical lifeline in the event of a breach.

Specialized Industry Insurance Solutions

We have deep expertise in providing tailored insurance for some of the Central Valley’s key industries.

Coverage for the Food Industry: Restaurant Insurance in Modesto, CA

The restaurant scene in Modesto is vibrant and diverse. From fine dining establishments to casual cafes, we offer specialized Restaurant Insurance in Modesto, CA. This coverage addresses the unique risks of the food service industry, including food spoilage, liquor liability, equipment breakdown, and customer safety. We help you protect your investment so you can focus on creating exceptional dining experiences.

Protecting Our Agricultural Roots: Farm and Ranch Insurance in Oakdale, CA

Agriculture is the heart of the Central Valley, and Oakdale is a cornerstone of that community. We offer comprehensive Farm and Ranch Insurance in Oakdale, CA, designed to protect agricultural operations of all sizes. This coverage can include your farmhouse, barns, equipment, livestock, and crops. It also provides liability protection for farm operations. We understand the challenges farmers face and provide solutions that safeguard their legacy.

Health and Life Insurance: Securing Your People’s Future

Beyond property and liability, we are committed to helping you protect the health and financial well-being of your family and your employees.

Accessing Quality Care with Health Insurance in Modesto, CA

Navigating the complexities of healthcare can be challenging. We simplify the process of finding the right Health Insurance in Modesto, CA, for individuals, families, and small businesses. We help you compare plans, understand networks and benefits, and choose coverage that provides access to quality care while fitting your budget.

Attracting and Retaining Talent with Employee Benefits Packages for the Central Valley

In a competitive job market, a strong benefits package is crucial for attracting and retaining top talent. We design comprehensive Employee Benefits Packages for Central Valley businesses that can include group health, dental, vision, and life insurance. A well-designed benefits program shows your employees you care about their well-being and can be a key differentiator for your business.

Providing for Loved Ones with Life Insurance in Modesto, CA

Life insurance is a fundamental tool for protecting your family’s financial future. A Life Insurance in Modesto, CA policy provides a tax-free death benefit to your beneficiaries, allowing them to cover final expenses, pay off a mortgage, fund a child’s education, and maintain their standard of living. We offer a range of options, including term and permanent life insurance, and can help you determine the right amount of coverage for your needs.

Affordable Care for Your Team: Small Business Health Insurance in Turlock, CA

Offering health insurance can seem daunting for small businesses. We specialize in finding affordable Small Business Health Insurance in Turlock, CA, that meets the needs of your employees and your budget. We guide you through the process, from selecting a plan to enrolling your team, making it simple to offer this valuable benefit.

Partner with a Trusted Neighbor

For a century, TSM Insurance has been a pillar of the Central Valley community. Our growth from a small family agency to a leading regional provider is a testament to our unwavering commitment to you, our client. Our local offices and agents in Modesto, Turlock, Manteca, and Stockton are staffed by your neighbors—people who understand life here because they live it too.

We are ready to put our century of experience and deep local knowledge to work for you. Contact TSM Insurance today for a complimentary review of your personal or business insurance needs. Let us show you why generations of Central Valley families and businesses have trusted us to protect what matters most.

Frequently Asked Questions (FAQ)

1. How can I get a quote for affordable auto insurance in Modesto, CA?Getting a quote is easy. You can contact our Modesto office directly to speak with a local agent who can assess your needs, search for applicable discounts (like bundling with renters or home insurance), and provide you with a competitive quote from multiple carriers.

2. What does home insurance in Turlock, CA typically cover, and what is excluded?A standard home insurance policy in Turlock usually covers damage to your home's structure and your personal belongings from perils like fire, theft, and wind. It also includes liability protection. However, it typically excludes damage from floods and earthquakes. We can help you secure separate policies for these specific Central Valley risks.

3. As a small business owner, why do I need both General Liability and Workers Compensation Insurance in Modesto?General Liability insurance protects your business from claims made by third parties (like customers) for injury or property damage. Workers Compensation Insurance is legally required and protects your employees by covering medical expenses and lost wages if they are injured on the job. Both are essential to fully protect your business from different types of risk.

4. My contracting business is based in Turlock but I work all over the Central Valley. Can you provide the right contractors insurance for me?Absolutely. We specialize in Contractors Insurance in Turlock, CA and throughout the region. We can build a policy that covers your liability, tools, and commercial vehicles wherever your work takes you in the Central Valley, ensuring you meet all contractual insurance requirements.

5. What is the benefit of using a local broker like TSM for RV Insurance in the Central Valley instead of a national online company?As a local broker, we have deep knowledge of the specific needs of RV owners in our area. We provide personalized service and can shop multiple top-rated carriers to find you the best combination of coverage and price for your RV. You get an expert advisor who is part of your community, not just a call center.

Compliance Note: All descriptions of insurance coverage are for informational purposes only. Actual coverages, limits, and exclusions are subject to the terms and conditions of your specific policy and may vary by carrier and underwriting approval.