Illustration — no photo of this home on file yet
- Care approvals on fileWheelchair · Dementia · Hospice · BedriddenState licensing record · September 13, 2026
- Estimated starting rate$4,800 a monthCovelight estimate · likely $3,750–$6,100
- Home sizeLicensed for 120Large care community · a licensed care home (RCFE)
- Room at the last state visit57 of 120 beds occupiedAugust 18, 2026 · not a current opening
- Ways to payAsk the homeMedi-Cal ALW participation not on file
- Last state visitAugust 18, 2026CDSS inspection record
The Arbor at Berkeley is a large care community in Berkeley — a licensed residential care facility for the elderly (RCFE), the licence category behind “assisted living” and “board and care.” It is licensed for 120 residents.
Built from CDSS public records · September 13, 2026. Every fact below names its source and date.
Quick answers and the state record
A citation does not make a home unsafe, and an empty file does not make a home good.
Quick answers about The Arbor at Berkeley
Is The Arbor at Berkeley licensed?
The state lists this license as “Licensed,” per CDSS records as of September 13, 2026.
How many residents is The Arbor at Berkeley licensed for?
120 residents — a large community, per CDSS records as of September 13, 2026.
Has The Arbor at Berkeley been cited?
0 Type A and 0 Type B citations, per CDSS records as of September 13, 2026.
Is The Arbor at Berkeley still open?
This license was on the CDSS roster as of September 28, 2026.
What does The Arbor at Berkeley cost?
$4,800 a month to start is a Covelight estimate, likely $3,750–$6,100. This home’s own rate is not on file. Ask: “What is the all-in monthly rate, and what would push it higher?”
Covelight’s estimate starts from the rates 8 communities with 50 or more beds within 5 miles publish, then adjusts for this home’s size, state care approvals, Medi-Cal waiver participation, years licensed and the area’s prices. In testing, the likely range held the real rate for 6 in 10 homes. This home’s own rate is not on file.
Among 31 other homes of a similar licensed size across Alameda County that publish a starting rate, the middle half runs $3,636 to $6,129 a month, and the middle figure is $4,500 (n = 31 other homes publishing a starting rate).
Each of those is a home’s own published figure, gathered on its own date in September 2026 — not an average of ours, and not a survey. Similar size means small and mid-size homes counted together, and large communities counted on their own, because they are different markets.
A home outside the band is not overcharging or underpricing: a starting rate covers different things in different homes, which is the first thing to ask about.
The price is made in the phone call. Nothing here is a quote, an offer or a discount.
A starting rate is the room and the base care. California homes commonly bill care levels, medication management, supplies, transport and a second person in the room as extras. Many also charge a one-time fee at move-in. Ask for that list in writing before anything is signed.
Only prices a home put out itself count here: its own website, a listing it supplied, or a price a listing site says the home confirmed. Prices a site shows without saying where they came from are left out.
Does The Arbor at Berkeley take Medi-Cal?
On Medi-Cal’s Assisted Living Waiver: this home is not on the DHCS participation list dated September 23, 2026. Ask the program about current options. The waiver pays for care services, not room and board.
Who holds the license?
The license is held by San Pablo Community Healthcare, LLC, per CDSS records as of September 13, 2026.
Is there a hospital nearby?
Alta Bates Summit Medical Center-Herrick Campus is 1.3 miles away in a straight line, per the CDPH licensed-hospital list dated September 16, 2026. See licensed care homes near it.
Can The Arbor at Berkeley keep a resident on hospice?
Hospice care is approved on this license, covering up to 10 residents, per CDSS records as of September 13, 2026.
The Arbor at Berkeley license and inspection record
- Name on the license: “ARBOR AT BERKELEY THE”, per the CDSS roster as of June 12, 2026.
- License #19201610. The state lists this license as “Licensed,” per CDSS records as of September 13, 2026.
- Licensed for 120 residents — a large community, per CDSS records as of September 13, 2026.
- Licensed to San Pablo Community Healthcare, LLC, per CDSS records as of September 13, 2026.
- First licensed: the year is not on file — the roster carries no first-license date for it. Ask: “When did this license start?”
- 5 state inspection visits on file, per CDSS records as of September 13, 2026.
- 0 Type A and 0 Type B citations on file, per CDSS records as of September 13, 2026.
- 1 complaint and 0 substantiated allegations on file, per CDSS records as of September 13, 2026. One complaint can carry several allegations.
- The most recent state visit on file is August 18, 2026, per CDSS records as of September 13, 2026.
California writes these definitions for every licensed home, not for this one. CDSS citation definitions (PDF) ↗
Can they support the care needed?
California licenses a home for specific kinds of care. The state’s record lists what this home is approved for; the home’s own answers fill in what changes as needs change.
- Wheelchair / non-ambulatoryApproved · covers up to 120 residents
- Dementia / memory careApproved by the state
- Hospice careApproved · covers up to 10 residents
- BedriddenApproved · covers up to 10 residents
State licensing record · September 13, 2026. An approval may cover specific rooms or residents; it does not establish an opening.
Read the state’s own wording
AGE RANGE 60 AND OVER. FIRE CLEARANCE APPROVED FOR 120 NON-AMBULATORY RESIDENTS WHERE 10 CAN BE BEDRIDDEN IN ANY ROOM. APPROVED FOR DELAYED EGRESS DOORS. WAIVER/GRANTED FOR HOSPICE FOR 10 RESIDENTS.
983 - RCFE / DEMENTIA · 985 - RCFE / HOSPICE · 985 - RCFE / HOSPICE
CDSS record, verbatim · September 13, 2026
As needs change
- Staying through hospice
Hospice waiver on file · covers up to 10 — care may continue at the end of life
Ask: “If hospice is needed, can care continue here until the end?”
State licensing record · September 13, 2026
- If memory loss develops
Dementia-care designation on file
Ask: “Can we read the dementia care disclosure and discuss how daily support works?”
State licensing record · September 13, 2026
3 more questions to ask the home
- Two-person transfers or a lift
Not on file
Ask: “If two people or a lift are needed to transfer, can the person stay?”
- Someone awake overnight
Not on file
Ask: “Who is awake overnight, and how do residents ask for help?”
- Medicines
Not on file
Ask: “Who manages the medicines, and what happens when a dose is missed?”
Care & day-to-day support
These are the home’s own statements about its day-to-day practice — they are not part of the state licensing record, and the state has not approved or reviewed them.
Assisted living
Reported on aplaceformom.com · seen September 9, 2026.
Medication management
Reported on aplaceformom.com · seen September 9, 2026.
Diabetes care
Reported on aplaceformom.com · seen September 9, 2026.
Incontinence care
Reported on aplaceformom.com · seen September 9, 2026.
Respite / short-term stays
Reported on aplaceformom.com · seen September 9, 2026.
What it costs here
Covelight estimate
$4,800a month to start
Likely $3,750–$6,100
From 8 nearby homes that publish rates · this home’s rate is not on file
Likely monthly total
$4,800a month
Likely $3,750–$6,250
With a studio and basic help.
An estimate for planning, not a quote. The price is made in the phone call.
See the full cost breakdownRoom, care and fees · how people pay · how this estimate works
Starting monthly rate$4,800likely $3,750–$6,100
Covelight’s estimate starts from the rates 8 communities with 50 or more beds within 5 miles publish, then adjusts for this home’s size, state care approvals, Medi-Cal waiver participation, years licensed and the area’s prices. In testing, the likely range held the real rate for 6 in 10 homes. This home’s own rate is not on file.
Basic help with daily careUsually includedup to $600
Basic help is usually part of the starting rate. Homes that price care by level start around $600 a month (45 California homes publish a care-level range, seen in September 2026).
One-time move-in fee$2,000one time · likely $0–$4,000
Homes that list a one-time entry or community fee charge a median of $2,000 (134 California listings; middle half $1,000–$4,000). Many homes list none — ask.
- Likely monthly totalLikely $3,750–$6,250
- $4,800
- First monthWith a one-time move-in fee · likely $4,500–$9,300
- $6,800
How people payPrivate pay, Medi-Cal waiver, SSI/SSP, veterans, insurance
- Private payMost residents pay from savings, a home sale or family help. Ask for the rate and what it includes in writing.
- Medi-Cal Assisted Living WaiverThis home is not on the DHCS participation list dated September 23, 2026. Ask the program about current options. The waiver pays for care services, not room and board.
- SSI/SSPCalifornia’s 2026 standard is $1,626.07 a month; $1,444.07 of it goes to the home and $182 stays with the resident. Whether this home accepts it is not on file — ask.
- VeteransVA Aid & Attendance can add to a veteran’s or surviving spouse’s pension. Ask whether residents here have used it.
- Long-term care insuranceMost policies pay for licensed care homes. Ask what paperwork the home provides for claims.
- MedicareDoes not pay for room and board in a care home. It can still cover hospice or home-health visits inside one.
Avoid surprises on the billWhat changes the price, and what to ask
- The care level
Some homes charge one all-inclusive rate. Others add levels or points as needs grow. Ask how the level is set, who decides, and what the next level costs.
- What is billed separately
Medication management, incontinence supplies, transportation and a second person in the room are often extra. Ask for the list in writing.
- Move-in costs
A one-time community fee or deposit is common. Ask what it covers and whether any of it comes back if the stay is short.
- Increases
California requires at least 90 days’ written notice, with reasons, before a rate rises (Health & Safety Code §1569.655). A change in the resident’s care level is the section’s own exception and can be billed sooner.
- What is the full monthly cost for the room and care we need, and what does it include?
- What would the next care level cost, and who decides when it changes?
- What is billed separately, and is there a one-time fee or deposit at move-in?
- Is any private-pay period required before another payment program can begin?
How this estimate worksWithin 25% for 7 in 10 homes in testing
Covelight’s estimate starts from the rates 8 communities with 50 or more beds within 5 miles publish, then adjusts for this home’s size, state care approvals, Medi-Cal waiver participation, years licensed and the area’s prices. In testing, the likely range held the real rate for 6 in 10 homes. This home’s own rate is not on file.
8 homes like this within 5 miles publish starting rates mostly between $4,400–$9,900.
- Only prices a home put out itself count: its own website, a listing it supplied, or a price Seniorly says the home confirmed. Prices a listing site shows without saying where they came from are left out.
- Nearby homes are the nearest of the same size that publish a rate, widening from 3 to 40 miles until at least 8 do. The estimate starts from what they charge, then adjusts for this home’s size, state care approvals, Medi-Cal waiver participation, years licensed and the area’s prices.
- Room, care-level, second-person and move-in lines come from what California homes publish on listing sites. Memory care uses Covelight’s researched premium over assisted living.
- Totals add each line’s figure and combine the lines’ ranges as separate charges, because a home is rarely at the top, or the bottom, of every line at once.
- We tested this estimate on 1,546 California homes that publish their own starting rate. It was within 10% of the real rate for 3 in 10 homes and within 25% for 7 in 10; the likely range held the real rate for 6 in 10 (September 12, 2026).
- It cannot see this home’s specials, how it assesses care, or which rooms are open.
Show the 8 nearby homes behind this estimate
- Silverado Senior Living-BerkeleyBerkeley · 0.6 mi · Large community$10,290Listed on Seniorly · seen September 9, 2026
- Belmont Village AlbanyAlbany · 1.2 mi · Large community$8,095Listed on Seniorly · seen September 9, 2026
- The Ivy at BerkeleyBerkeley · 1.2 mi · Large community$7,795Listed on Seniorly · seen September 9, 2026
- 1440 by the BayEmeryville · 2.6 mi · Large community$4,500Listed on Seniorly · seen September 9, 2026
- Merrill Gardens at RockridgeOakland · 3.1 mi · Large community$4,800Listed on Seniorly · seen September 9, 2026
- The Point at RockridgeOakland · 3.3 mi · Large community$4,738Listed on Seniorly · seen September 9, 2026
- El Cerrito RoyaleEl Cerrito · 3.8 mi · Large community$4,075Listed on Seniorly · assisted living private room · seen September 9, 2026
- Lake Park Senior LivingOakland · 4.5 mi · Large community$3,550Listed on A Place for Mom · seen September 9, 2026
Where it is
- 2100 San Pablo Ave., Berkeley, CA 94702Address from the public record · September 13, 2026. Confirm the entrance with the home before visiting.
Opening the neighborhood map…
The state record
California inspects every licensed home and publishes what it found. Here are the dated documents and the state’s own words, beside what is typical for homes this size.
Since 2026, the state has filed 5 documents for this home, and its records count 5 visits. The most recent — a complaint investigation report on August 18, 2026 — closed with the state’s outcome word: “Unsubstantiated.”
- On file since
- 2026
- State visits
- 5
- Most recent visit
- August 18, 2026
- Occupied at that visit
- 57 of 120 bedsa count on that day, not an opening
We hold 1 complaint report the state published for this home, dated August 18, 2026. 1 of the 1 carries the state's recorded outcome word: “Unsubstantiated” (1). 1 includes the transcribed allegation the state investigated, word for word. Summary composed by computer from the 1 complaint report below — every count derives from them, and the documents themselves are the state's records, verbatim. We never grade, score, or color a record.
Beside homes the same size
- Type A citations0typical 0
- Type B citations0typical 1
- Substantiated allegations0typical 2
- Total complaints1typical 6
“Typical” is the statewide median across the 1,354 licensed larger communities (16+ beds) in the state record — larger, longer-licensed homes accumulate more visits and reports, so compare like with like. One complaint can contain several allegations.
The last 36 months — 5 of 5 documents
Aug 18, 2026Complaint investigation reportUnsubstantiated
Allegation investigated: Staff is overcharging resident.
On 08/18/2026 at 9:50 AM, Licensing Program Analyst (LPA) P. Manalo arrived unannounced to conduct the initial 10-day visit and deliver the findings on the above allegation. LPA met with Assistant Executive Director (AED) Quaid Holder and Executive Director (ED), Maureen Lee, and explained the purpose of the visit. During the visit, LPA obtained and reviewed the following documents included but not limited to Progress Notes, Service Plan, Physician Report, Resident Roster, Staff Schedule, Staff Contact Information, Monthly Statement, Level of Care Determination Tool, Functional Evaluation, and Service Plan Agreement. LPA interviewed AED, Staff 1 (S1), 1 witness, and 1 resident. Continue to LIC9099-C... Unsubstantiated Continued from LIC9099... Allegation: Staff is overcharging resident. It was alleged that staff is overcharging resident. LPA interviewed Witness 1 (W1) who stated that R1 is being charged for additional cost on services that R1 does not need. LPA reviewed R1’s Service Plan Agreement effective on 04/22/2025 that stated that R1 is being charged an Assisted Living (AL) Care Services for an additional monthly charge of $960.48 for R1’s care and R1 signed the Service Plan Agreement on 05/13/2025. LPA reviewed R1’s service plan and Level of Care Determination Tool dated 09/24/2025 and interviewed S1 who stated that R1’s assessment did not show any change in condition and R1’s level of care remains the same as the assessment conducted on 04/22/2025. LPA reviewed R1’s monthly statement dated 07/31/2025, 09/30/2025, and 07/28/2026 and interview with AED stated that since there was no change in condition after R1’s assessment on 09/24/2025, R1’s monthly rate stayed the same as what the previous owner was previously charging R1 for. Based on interviews and record review conducted, the above allegation that staff is overcharging resident is unsubstantiated. Although the allegation may have happened or is valid, there is not a preponderance of evidence to prove the alleged violation did or did not occur, therefore the allegations are unsubstantiated. There is no deficiency noted. Exit interview was conducted with Holder and Lee, and a copy of this report was provided.the state’s words, verbatim · CDSS document, Aug 18, 2026 · control 15-AS-20260812092917
Aug 18, 2026Facility evaluation reportReport on file
Type of visit: Case Management - Other
On 08/18/2026 at 1:55 PM, Licensing Program Analyst (LPA) P. Manalo arrived unannounced to conduct a case management visit. LPA met with Assistant Executive Director (AED) Quaid Holder and Executive Director (ED) Maureen Lee, and explained the purpose of the visit. While LPA was conducting a complaint investigation #15-AS-20260812092917, ED stated that R1 would leave the facility independently or with R1's friends. LPA reviewed R1's physician report dated 08/16/2022 and 08/21/2023 that indicated that R1 is unable to leave the facility unassisted. During the visit, LPA, AED, ED discussed that as of today, the facility will review the physician report and discussed with R1 that per physician report, R1 is unable to leave the facility unassisted. The facility will also communicate this to the front desk staff and try to obtain an updated physician report for R1. The facility will send LPA the plan via email. A technical violation has been noted. No deficiencies cited. Exit interview conducted and a copy of this report provided.the state’s words, verbatim · CDSS document, Aug 18, 2026
Jun 4, 2026Facility evaluation reportReport on file
Type of visit: Case Management - Other
On 6/4/2026 at 10:15am, Licensing Program Analyst (LPA) L. Hall conducted an announced continuation pre-licensing inspection (CHOW) and met with Maureen Lee, Administrator. Facility's fire clearance is for One hundred and ten (110) non-ambulatory and ten (10) bedridden residents. The pre-licensing inspection was continued to review staff file and conduct the COMP III. LPA reviewed nine (9) staff files and presented Component III power point during visit and discussed the regulations embodied in the power point. LPA observed the participant gained knowledge about running and maintaining the facility in accordance with regulations. No Issues were noted during inspection. LPA observed that facility is ready to be licensed. This report will be submitted to the Central Applications Unit (CAU) and a final review of the application will be conducted. This facility is not yet licensed and is subject to final approval by CAU. Additional requirements may still be required. Exit interview conducted and a copy of this report provided.the state’s words, verbatim · CDSS document, Jun 4, 2026
Apr 8, 2026Facility evaluation reportReport on file
Type of visit: Prelicensing
On 4/8/2026 at 10:05am, Licensing Program Analyst (LPA) L. Hall conducted an announced pre-licensing inspection (CHOW) and met with Maureen Lee, Administrator, and Quaid Holder, Manger of Business Operations. Facility's fire clearance is for One hundred and ten (110) non-ambulatory and ten (10) bedridden residents. LPA toured the residents' apartments, shared bathrooms, dining rooms, common living areas, and kitchen. The facility has four (4) floors. Assisted living on the 3rd and 4th floors and memory care on the 3rd floor. There is sufficient lighting around the facility. Resident rooms are equipped with the proper furniture and lighting. The kitchen was observed cleaned and within compliance. Bathrooms were equipped with grab bars. Living room is equipped with the proper furniture for the residents. Facility has medication two (2) medication rooms located on the 2nd and 3rd floor. LPA observed toxins and sharps locked. Passageways and hallways are free of obstruction. Fire extinguisher last serviced 7/24/2025. Smoke detectors and Carbon Monoxide detector are equipped around the facility. First aid kits are complete. LPA measured hot water in shared bathroom on 1st floor at 119.5. LPA also measured hot water in the following apartments #412 -71.6; #432 -108.3; #316 -121.4; #332 -109.1; #221 -116.1; and #204 - 120.0. This is an existing facility and 2-day perishable, and 7-day Continued on LIC809C. Continued from LIC809. non-perishable are available for the residents. Facility inspection matches the sketch that was provided. LPA reviewed 10 staff files and observed all are incomplete. LPA also observed during record review that S3 was not associated to the facility. LPA requested S3 be associated by 4/9/2026, and the files to be completed by 4/22/2026. Issues were noted during inspection. LPA observed that facility is ready to be licensed. This report will be submitted to the Central Applications Unit (CAU) and a final review of the application will be conducted. This facility is not yet licensed and is subject to final approval by CAU. Additional requirements may still be required. Exit interview conducted and a copy of this report provided.the state’s words, verbatim · CDSS document, Apr 8, 2026
Feb 25, 2026Facility evaluation reportReport on file
Type of visit: Office
Component II completion: Successful Facility Type: Residential Care Facility for the Elderly (RCFE) Application Type: Change in Ownership (CHOW) Capacity: 120 Census (if any clients in care): 51 COMP II Participants: Joshua Jergensen, Applicant Maureen Lee, Administrator Interview Method: Virtual interview (Microsoft Teams) On February 25, 2026, Applicant and Administrator participated in COMP II. Identification of the Applicant and Administrator was verified through interview questions based on photo ID and other identifying personal information. During COMP II, Applicant and Administrator confirmed that they have read and understand community care facility licensing laws included in the Health and Safety Codes and the California Code of Regulations Title 22. Signed LIC 809 with copy of photo ID have been obtained. During COMP II, CAB analyst confirmed Applicant and Administrator’s understanding of following areas: 1. Facility Operation: License Type, Client/Resident Populations, and Program. 2. Admission Policies 3. Staffing Requirements & Training 4. Restrictive/Prohibited Health Conditions 5. General Provisions 6. Emergency Preparedness 7. Complaints & Reporting 8. Pre-licensing Readinessthe state’s words, verbatim · CDSS document, Feb 25, 2026
What the state’s words mean
CDSS citation definitions (PDF) ↗ · CDSS complaint outcomes ↗
Life here
Rooms, meals, the rhythm of a day, faith and language, pets and house rules — as the home describes them. Tap any detail for its source and date; nothing here is graded.
Find a detail about life at this home.
Rooms & the spaces they will use
Private bathroom
Reported on aplaceformom.com · seen September 9, 2026.
LaundryDone by staff
Reported on aplaceformom.com · seen September 9, 2026.
Wifi
Reported on aplaceformom.com · seen September 9, 2026.
Roll-in / accessible shower
Reported on aplaceformom.com · seen September 9, 2026.
Visitor parking
Reported on aplaceformom.com · seen September 9, 2026.
Air conditioning in the room
Reported on aplaceformom.com · seen September 9, 2026.
Housekeeping
Reported on aplaceformom.com · seen September 9, 2026.
Kitchenette in the unit
Reported on aplaceformom.com · seen September 9, 2026.
Salon or barber
Reported on aplaceformom.com · seen September 9, 2026.
Meals, preferences & familiar food
Dining styleRestaurant style
Reported on aplaceformom.com · seen September 9, 2026.
Vegetarian or vegan optionsVegetarian · Vegan
Reported on aplaceformom.com · seen September 9, 2026.
All-day or flexible dining
Reported on aplaceformom.com · seen September 9, 2026.
Cultural cuisine regularly servedInternational
Reported on aplaceformom.com · seen September 9, 2026.
Meals served in the room
Reported on aplaceformom.com · seen September 9, 2026.
Family may eat with the resident
Reported on aplaceformom.com · seen September 9, 2026.
Meals provided
Reported on aplaceformom.com · seen September 9, 2026.
Professional chef
Reported on aplaceformom.com · seen September 9, 2026.
Activities & the rhythm of a day
Exercise or fitness programWii Bowling · Qi Gong · Tai Chi · Stretching Classes · Yoga / Chair Yoga
Reported on aplaceformom.com · seen September 9, 2026.
Trips outside the home
Reported on aplaceformom.com · seen September 9, 2026.
Religious services at the home
Reported on aplaceformom.com · seen September 9, 2026.
Religious services off site
Reported on aplaceformom.com · seen September 9, 2026.
Intergenerational programs
Reported on aplaceformom.com · seen September 9, 2026.
Faith, culture & language
Clergy or chaplain visits
Reported on aplaceformom.com · seen September 9, 2026.
Languages spoken by caregiversEnglish
Reported on aplaceformom.com · seen September 9, 2026.
Pets, routines & independence
Pet types allowedDogs · Cats
Reported on aplaceformom.com · seen September 9, 2026.
Pet weight limit
Reported on aplaceformom.com · seen September 9, 2026.
Visiting & staying involved
Transport for shopping and errands
Reported on aplaceformom.com · seen September 9, 2026.
Public transit access claimed
Reported on aplaceformom.com · seen September 9, 2026.
Transportation costs extraReported no
Reported on aplaceformom.com · seen September 9, 2026.
Before you call
Ask every home the same questions — the state’s record does not answer these. Keep the ones that matter and they travel with your saved homes.
- What is included in the monthly rate, and what costs extra?
- Who is awake overnight, and how do residents ask for help?
- Which rooms does the non-ambulatory approval cover, and what transfer support is provided?
- What could change whether someone can stay here?
- Can we see a bedroom and share a meal during a visit?
Other homes nearby
The nearest licensed homes in Alameda County, closest first. Every listed home appears on the same terms.
Golden Oasis
Berkeley · Mid-size home · 0.2 mi away
$4,450 a month to start · Covelight estimate
Silverado Senior Living-Berkeley
Berkeley · Large community · 0.6 mi away
$10,290 a month to start · Listed by the home
Belmont Village Albany
Albany · Large community · 1.2 mi away
$8,095 a month to start · Listed by the home
The Ivy at Berkeley
Berkeley · Large community · 1.2 mi away
$7,795 a month to start · Listed by the home
Raksha 13 Care Home
Albany · Mid-size home · 1.6 mi away
$5,100 a month to start · Covelight estimate
Raksha 4 Care Home
Albany · Small home · 1.9 mi away
$4,850 a month to start · Covelight estimate