A tile system includes a tile and at least one removable tile insert. One of the tile and the at least one tile insert has securing means for removably retaining the at least one insert within or to the tile. The tile is configured to be installed on a surface through conventional means. The insert may incorporate both decorative and/or functional features and may be removed, replaced and/or reused to change the appearance of a single tile, multiple tiles, mural, liner or decorative scheme.