Providing Insurance Since 1935

Premier Insurance Agency in San Rafael California

Why It Matters

Independent Agent vs The Rest

Here is a quick comparison of the differences between an independent agency in California like us, and the various other types of companies that are out there. Call us at 650-593-7601.

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

Protect your home

Home Insurance

Look after your biggest investment and everything in it with a proper policy.

Modern home at night with colored interior lights
Car at night with laser headlights on

Protect your vehicle

Auto Insurance

Choosing the right auto insurance is the key to keeping your and your car safe.

Protect your family

Life Insurance

Provide your family with the security they deserve in the event of your passing.

Man exercising at home in living room
Woman business owner at register

Protect your business

Business Insurance

We’re committed to keeping your business protected so you can focus on your day-to-day.

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.

Insurance Companies

Representing the Largest Carriers

We represent many of the largest and most reputable insurance companies.

Policy Service

Request policy changes, add or remove vehicles, submit claims, change lender information, and more.

Policy Service

Ready to save time, aggravation, and money?

ISU Lovering Insurance Services is here to provide comprehensive risk management for your family and business.