• Homeowners Insurance Mortgage Protection Flood Insurance Auto Insurance Personal Umbrella Protection
    Happinest is about helping you Find and Finance your new home. It’s also about helping you Protect everything and everyone in that new home. And it begins right here by understanding the different types of insurance that may be right for you. Comparing pricing from top-rated insurance companies.
    And by navigating the process and obtaining coverage through our experienced agents. Reaching a state of perfect happiness knowing you’re insured in case the unexpected happens? We call that Protectirvana. You will, too.

    HOMEOWNERS INSURANCE

    TMS Insurance represents the country’s top-rated independent home insurers. As a result, we get multiple quotes so you get the right coverage for the most competitive price. And for TMS borrowers, switching is easy since we already service your loan.
    Homeowners insurance is important. It provides financial protection against disaster and liability losses, and a standard policy insures the home, detached structures, liability, medical payments and loss of use due to a covered cause.

    Why You Need It:

    Homeowners insurance helps you financially protect one of your largest investments from unexpected occurrences. Here’s why it pays to have it:
    If your home is destroyed by fire or damaged by a natural disaster, coverage provides funds to repair or replace it.
    If a guest in your home is injured, policies protect you from liability protection and medical expenses coming out of your pocket.
    If your home is robbed or vandalized, coverage reimburses you for your loss or pays for repairs.
    Homeowners insurance is meant to cover unexpected damage, not routine maintenance. We can help you understand exactly what’s included and what isn't.

    APPLY NOW
    or call 855.611.0550

    MORTGAGE PROTECTION

    Mortgage protection term life insurance is designed to provide the protection of both a death benefit and living benefits, meaning no matter what life throws your way, you’ll be able to access much-needed funds.
    It’s the smart, forward-thinking solution for any homeowner. Helping our clients safeguard their homes during a time of need will help provide peace of mind and protection during stressful circumstances.

    Why You Need It:

    We know many households would struggle to meet their mortgage obligations if their family was faced with a tragic life event. That’s why the mortgage protection term life insurance plans offered by TMS Insurance could help you during the following situations:
    Death Benefit – If you pass away unexpectedly your beneficiary receives a lump sum benefit that could pay off your mortgage loan.
    Living Benefit – If you suffer a qualifying major illness, such as heart attack, stroke, or cancer, the plan can advance a lump sum benefit.
    Disability Benefit – If you become unable to perform your normal work duties due to injury the plan can help cover monthly expenses.*
    To help protect your mortgage payment and provide peace of mind, we also offer Payment Protector, a special kind of mortgage protection. Because it’s not paid out in a lump sum, the person you choose as your beneficiary would receive a monthly income payment to cover all or a portion of your mortgage payment or provide an income to help take care of other financial obligations.

    At TMS Insurance, we are mortgage protection specialists who are here to help families keep their homes during hardship. Work with one of our specialists today to ensure your family is protected.

    APPLY NOW
    or call 855.611.0550
    *Recommended insurers, certificates, rates and benefits vary and riders may result in additional cost.  Disability benefit is paid monthly for a specified term length that is based upon the coverage that is purchased.  Certain occupations are not eligible for this disability coverage.

    FLOOD INSURANCE

    Flood Insurance is never covered in homeowners insurance policies, however, we offer flood insurance through the National Flood Insurance Program to cover flood damage caused by hurricanes, melting snow, rain and other events.
    Owners may be required to obtain flood insurance by mortgage lenders if homes are in a high-risk area. It is a common misconception that owners in a moderate to low-risk area do not need it.

    Why You Need It:

    Anywhere there’s excessive rain, there’s potential for flooding. Here are some reasons to consider flood insurance:
    Flood insurance is not part of homeowners insurance policies.
    Flooding is more common than tornadoes, earthquakes or hurricanes.
    In the past five years, floods have affected all 50 states and more than 20% of all flood claims come from areas that are considered moderate to low-risk areas.
    Coping with the aftermath of a flood is not only physically and emotionally trying, it can also be financially disastrous without flood insurance.

    APPLY NOW
    or call 855.611.0550

    AUTO INSURANCE

    Most of us have it and we define it as a contract between a driver and the insurance company where the driver agrees to pay the premium and the insurance company agrees to pay losses as defined by the policy.
    Auto insurance provides property, liability and medical coverage:
    Property coverage pays for situations out of the driver’s control, such as, wind, theft, hail, vandalism, fire, and collision with an animal. This also covers “at-fault” accidents for your vehicle, if you have full coverage, minus your deductible.
    Liability coverage pays for your legal responsibility to others for their bodily injury or property damage up to the chosen policy limits.
    Medical coverage pays for the cost of treating driver and passenger injuries, rehabilitation and lost wages.

    Why You Need It:

    With auto insurance, you can be assured you, and your property, are protected from accidents. It’s important to choose the right policy for the following reasons:
    If a driver is in an “at-fault” accident or the car is damaged due to covered losses, coverage will provide the funds to fix or replace the vehicle.
    If the driver or any passengers are injured in an accident, coverage can help with expensive medical costs.
    If the driver or the car is responsible for damage or injury to others, the right coverage protects the driver’s wages and assets if sued by the other party.
    It’s important to know if a policy quotes high enough liability limits that allow the driver to add personal umbrella protection.

    APPLY NOW
    or call 855.611.0550

    PERSONAL UMBRELLA PROTECTION

    An umbrella policy is an extra layer of financial protection, over and above homeowners or auto insurance, that helps in the event of an unexpected or costly occurrence. With umbrella coverage, families, homes and assets are fully protected and legal fees can be covered in the event of a lawsuit.
    Umbrella policies also cover excess risks that sometimes are excluded from underlying policies. Home and auto insurance may not provide enough coverage. An umbrella insurance policy can protect assets and future earnings in the event of a lawsuit.

    Why You Need It:

    If a policy holder is sued for libel or slander, policies cover legal defense costs (possibly as a result of social media interactions or cyber-bullying)
    If a policy holder is sued by a tenant or landlord, policies cover loss of rent and legal costs
    Umbrella coverage also covers pets and any injuries, medical expense and legal defense costs they may cause—costs that can come along with a dog bite, for example. Remember, you are financially responsible for your pet.

    Talk with one of our insurance experts about umbrella protection today. After all, you’ve worked hard for what you have—don’t let it all be taken away.

    APPLY NOW
    or call 855.611.0550