ISU Lovering Insurance Services
1121 Laurel Street
San Carlos, CA 94070


Fax: 650-593-7410
Fax: 650-228-5663


*In light of recent events regarding the Coronavirus, we will continue our normal business operations. If you have any questions, please give us a call at 650-593-7601. If you need to visit our office, please contact us first to make an appointment.*

Personal and Business Insurance Protecting the Greater San Francisco and San Jose Regions in the Event of a Loss

A lot has changed in San Carlos, California since 1935; however, one thing that has remained consistent is the quality insurance products and services offered by ISU Lovering Insurance Services.

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. Working directly with clients, our agents strive to orchestrate personal and commercial lines coverage based on need, not price.  

Learn more about us and the services we provide by visiting our About Us page.  We also offer Additional Specialty Coverages.  


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Meet Our Team

Robert E. Watkins, CIC, CSRM, PWCA
Robert E. Watkins, CIC, CSRM, PWCA


Marla R. Watkins, CIC
Marla R. Watkins, CIC

Chief Financial Officer

Matthew T. Watkins, MBA, CLCS, PWCA, cyRM
Matthew T. Watkins, MBA, CLCS, PWCA, cyRM

Vice President, Sales

Rolenda Herron
Rolenda Herron

Personal Lines Account Executive



"Just want to share with you the exceptional work that Julie Chamrad is doing with our agency, Young Community Developers. She is doing an excellent work that needs recognition not only by her clients but also by her employer. We're happy to work with a nice person like Julie."

"I love working with ISU members because they are personable and professional."

"I love working with ISU members because they focus and appreciate quality first then price."

"I love working with ISU because the members I have met are polite, hard-working and dedicated to protecting their clients' best interests. ISU members are collectively the most professional, humble and straightforward group of agents I have had the pleasure of working with in my 18 years in insurance."

"I love working with ISU members because of the ease of doing business and the knowledge that many of the members are instilled with in regards to coverages, forms, etc."

"I love working with ISU members because they are all beautiful people. We started with very little premium and have built an empire! Our year-end 2010 So CA Select Accounts written premium totals $6,000,000. What’s not to love….! I consider so many of you friends not just business acquaintances. You are by far the most wonderful group of individuals I work with. And, you are all stuck with me for many more years because “I ain’t givin you up”!"

"I love working with ISU members because they are some of the best agents in the industry!"

"I love working with ISU members because they are very professional and provide complete submissions. If we need additional info they get it back promptly. They make our jobs easier. They have some pretty interesting accounts too!!"

"I love working with ISU members because ISU members work as hard for Travelers as we do for them. Whether it be a large account or a small account, ISU members are constantly thinking of how and what business they can place with or keep with us. The members are professional with a sense of humor, understanding of our appetite, eager to give us the first shot or last look on renewals. I look forward to working with my agents every day! I also love the sense of 'family' I have with the ISU members. I can't say enough about how much I love working with all of them!"

"I love working with ISU members because they are professional and knowledgeable."

"I love working with ISU because they are always excellent and Bob & Judy provide me the service I need."

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