Agent, President

Robert E. Watkins

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Robert E. Watkins




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Robert E. Watkins

Robert E. Watkins, CIC, CSRM, PWCA

Robert enjoys, Traveling, Sporting Events, being with Family, and playing golf. He is very active within San Carlos with being a part of the San Carlos Rotary Club.

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 you 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.