Homeowner’s Insurance

At TSM Insurance, property insurance is designed to protect the place you call home. Because your house is probably the biggest financial and emotional investment you’€™ll ever make, we offer affordable, personalized insurance coverage that meets your needs in terms of budget and priorities.

Your TSM Insurance agent will work with you to create a policy that covers:

  • Damages to your home’s physical structure
  • Damages to other structures, like garages or sheds
  • Personal belongings, whether they’re in your home or not
  • Temporary living expenses, in case your house becomes uninhabitable due to a covered loss
  • Personal liability, in case someone is injured or their property is damaged

Customizable Policy Features

  • Valuable items coverage
  • Replacement cost coverage for personal belongings
  • Extra coverage for personal belongings
  • Additional home replacement building costs
  • Rebuilding with green materials using the “green home”€™ upgrade

Policies offered through TSM also provide a selection of cost-saving discounts and credits, as well as a variety of flexible, personalized payment options.

Liability Protection

Property insurance policies will also protect you and everyone in your family against claims of injury or property damage.

Your TSM Insurance agent will work with you to create a policy that covers:

  • Injury claims on or off your premises
  • Property damage claims
  • Liability defense costs
  • Medical expenses for injuries to others
  • Personal liability, in case someone is injured or their property is damaged

Optional Coverages

These additional coverages will protect you and your family, as well as your house and everything in it:

  • Identity theft protection
  • Replacement cost coverage for your home
  • Earthquake coverage
  • Extended protection for high-value items, such as jewelry, silverware, sporting goods, collectibles, and more
  • Renter’€™s coverage for your personal property and personal liability
  • Condominium protection for your personal property, additions and alterations, and liability
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