CARVA Insurance Agency

Why CARVA

An agent who works
for you — not the carrier.

Most agents represent one company. CARVA is independent, which means we shop across the market to find the right fit for your specific situation — and we stay with you long after the sale.

We shop the market for you.

As an independent agent, CARVA has relationships with the nation's largest and most trusted carriers. We compare options across all of them to find the best combination of price and coverage for your exact needs.

We advise you honestly.

We tell you what you need — and what you don't. Our goal is a relationship that lasts for years, which means your best interest always comes first. No upsells, no pressure, no fine print surprises.

We're there for every claim.

Most agents disappear after the sale. When something goes wrong, CARVA answers the phone — helps you file, advocates with the carrier on your behalf, and stays until the situation is fully resolved.

Our Carrier Network

We work with the biggest names — so you get the best deal.

CARVA maintains close relationships with the top-rated carriers in the United States. That access means real competition for your business — and real savings for you.

"Having one agent who knows all the carriers — and knows you — is how you stop overpaying and start being protected."

Competitive rates, every yearWe re-shop your coverage at every renewal — no loyalty penalty for staying with CARVA.

Coverage that actually fitsWe match the right carrier to your specific risk profile — not the one that pays the highest commission.

One point of contact, alwaysYou call CARVA. We handle the carrier. No call centers, no hold music, no strangers.

Instant Coverage

Quote it yourself.
Bind it in minutes.

These partners let you get covered instantly — no phone call needed. Or reach out to Rafaela and she'll handle everything for you.

General Liability

Protect your business from third-party claims for injury or property damage. Quote and bind online in under 10 minutes.

Small BusinessContractorsFreelancers

Quote with NEXT Insurance Or try Thimble (flexible by-the-job plans)

Pet Insurance

Cover unexpected vet bills before they happen. Fetch offers accident and illness plans for dogs and cats — enroll online in minutes.

Dogs & CatsAccidents & IllnessNo Age Limit

Quote with Fetch

IRS Audit & Tax Insurance

If the IRS comes knocking, InsureTax covers your audit defense and tax filing errors — for individuals and businesses alike.

Audit DefenseFiling ErrorsIndividuals & Business

Quote with InsureTax

Term Life Insurance

Protect your family's future in minutes. Simplicity LifeLink offers affordable term life coverage — get a quote and apply entirely online.

Term CoverageFast ApprovalNo Medical Exam

Quote with Simplicity LifeLink

Not sure which option is right for you?

Rafaela can walk you through it — no pressure, just answers.

Call Me

For Business Owners

Your business deserves
an agent who takes it seriously.

Running a business is hard enough. CARVA makes sure the coverage side is handled — with the right policies, the right carriers, and someone who actually understands what you've built.

General Liability

Protects your business from third-party claims for property damage, bodily injury, and more. The foundation of every solid business policy.

Business Owner's Policy

A BOP bundles general liability and commercial property into one smart, cost-effective package — ideal for small and mid-size businesses.

Workers' Compensation

Protects your employees and your business when someone gets hurt on the job. Required in most states — and we make sure you're fully compliant.

Commercial Auto

If your business uses vehicles — yours or your employees' — a personal auto policy won't cover it. We make sure your fleet is properly protected.

Professional Liability

Also known as E&O insurance. Essential for service-based businesses, consultants, and anyone whose advice or work could be questioned.

Commercial Umbrella

When the unexpected is bigger than your base policy, umbrella coverage steps in. A smart, affordable layer of extra protection for your business assets.

Cyber Liability

Data breaches don't only hit large corporations. If you store customer data — names, emails, payment info — you could be liable. Cyber coverage protects your business from the financial fallout of a breach or ransomware attack.

Contractors Insurance

Built for contractors, tradespeople, and construction businesses. Includes general liability, tools & equipment coverage, and builders risk — so a single job-site incident doesn't take down your whole operation.

Landlord / Rental Property

Your homeowner's policy doesn't cover a property you rent out. Landlord insurance protects the structure, covers lost rental income if the property becomes uninhabitable, and shields you from tenant liability claims.

We've seen what happens when business owners are underinsured.

CARVA's job is to make sure that never happens to you. We review your coverage every year and adjust as your business grows.

Personal Coverage

Protecting you and
everyone you love.

From your car to your home to your family's future — CARVA finds the right coverage at the right price, and explains every detail before you sign a thing.

Auto Insurance

We compare rates across top carriers and find the best policy for how you actually drive. Annual reviews to make sure you're never overpaying.

Home Insurance

We walk through every line of your homeowner's policy so you know exactly what's covered — and exactly what's not. No surprises at claim time.

Umbrella Insurance

Extra liability coverage above and beyond your auto and home policies. One of the best values in insurance — and most people don't know they need it.

Life Insurance

The most important — and most personal — conversation in insurance. We have it with care, patience, and zero pressure. Your family's future, protected.

Pet Insurance

Your pets are family too. We help you find the right coverage so unexpected vet bills never force an impossible choice. Plans for dogs, cats, and more.

Renters Insurance

Your landlord's policy covers the building — not your belongings. Renters insurance protects your furniture, electronics, and clothes from theft or fire, and covers you if a guest gets hurt in your home. Often less than $20/month.

Condo Insurance

Your condo association's master policy covers common areas — but not your unit's interior, personal belongings, or liability. CARVA finds a policy that fills those gaps exactly, without paying for what your HOA already covers.

Jewelry & Valuables

Standard homeowner's policies cap jewelry coverage at $1,500–$2,500. An engagement ring, heirloom watch, or fine art collection deserves dedicated protection — we work with Jewelers Mutual and other specialty carriers to cover your valuables at full appraised value.

Classic & Collector Car

Standard auto insurance pays actual cash value — not what your classic is really worth. We work with Hagerty and specialty carriers to insure your vehicle at its agreed value, whether it's a weekend show car or a daily vintage driver.

Rafaela Carvalho

5 min read

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The right coverage.
The best rate.
Someone you can call.

An agent who works
for you — not the carrier.

We work with the biggest names — so you get the best deal.

Quote it yourself.
Bind it in minutes.

Your business deserves
an agent who takes it seriously.

Protecting you and
everyone you love.

Learn before you buy.

Ready to see what
you've been missing?

The right coverage.The best rate.Someone you can call.

An agent who worksfor you — not the carrier.

We work with the biggest names — so you get the best deal.

Quote it yourself.Bind it in minutes.

Your business deservesan agent who takes it seriously.

Protecting you andeveryone you love.

Learn before you buy.

Ready to see whatyou've been missing?

The right coverage.
The best rate.
Someone you can call.

An agent who works
for you — not the carrier.

Quote it yourself.
Bind it in minutes.

Your business deserves
an agent who takes it seriously.

Protecting you and
everyone you love.

Ready to see what
you've been missing?