ISU Lovering Insurance Services in San Carlos, California

At ISU Lovering Insurance Services, our goal is to offer sound risk management advice, as well as provide comprehensive insurance and financial products. Although based in California, we are licensed in all 50 states and have partnerships with more than 300 insurance companies. As a result, our agency truly is a one-stop shop for insurance protection.

A focus on quality client service drives every policy produced, as agents take time to identify risks and counter with fitting coverage. Along with individuals and families, we also insure businesses representing a variety of specific industries – from restaurants and schools to manufacturing companies and retail operations. Our business insurance program can be tailored to meet their specific commercial requirements.

Homeowners insurance and auto insurance serve as the foundation of our personal insurance program. Whether you are purchasing a new home or adding a new driver to your auto policy, our agents are accessible to guide you and your loved ones toward accurate, affordable coverage.

Ever Consider: ‘Is coverage from ISU Lovering Insurance Services near me?’

We are prideful of the longstanding relationships developed with clients throughout the state of California – from San Jose to San Francisco. If questions arise or life changes occur, we invite clients to contact their agent to thoroughly review policies in place.

Ongoing service extends beyond the policy purchasing process, with agents continuously monitoring coverages and rates. If a client needs to file a claim, we will advocate on their behalf throughout the claims process.

Along with clients, we also partner with organizations within our local San Carlos community, including the Rotary Club of San Carlos and  San Carlos Chamber of Commerce.

We look forward to continuing to implement insurance strategies for decades to come. To begin working with us, please request a quote at your earliest convenience.

Independent Agent vs The Rest

Unlike a captive, or direct insurance companies who only offer their own proprietary products, our agency is 100% independent of any one company. This lets us compare coverage and rates from multiple insurance companies, tailoring a solution that works best for you.

Features & Services Our Agency Captive Agent Online & 1-800 Companies
Access to multiple companies and wide range of products
Easy switching from company to company without hassle
Unbiased and objective advice Tries to sell & support only their one company Tries to sell & support only their one company
Claims assistance and advocacy Adjusters are often exclusive to the one company No help: You vs. adjuster
Policy service from the same person you bought from To call center You'll likely never talk to the same person twice
When you buy from an independent agent like us, you're supporting local business and your local economy #choicematters #independentagent

Since 1935

Consistent Quality

As a local agency in business for more than eight decades, we have the knowledge and experience necessary to drive personalized insurance solutions for our neighbors in San Carlos and surrounding California communities.

Years in Business
States Licensed
Insurance Companies
Team Members


I have been with Lovering Ins. since about 1966. And my parents before that.
Thanks for the continued outstanding service.