Your Local Wheat Ridge Independent Insurance Agency

3R Insurance Agency specializes in car, RV, boat, motorcycle, home, business, commercial, and life insurance.

3R Insurance Agency exists to help individuals, families and business find the Right Coverage, for the Right Value. As an Independent Agency we have access to multiple top rated carriers. We want to be more than just a company that can shop your insurance. We want to be your partner in insurance.

There are 3 Costs of Insurance:

  1.  The Cost of your Premium.
  2.  The Cost of your Deductible.
  3.  The Cost of being Under-insured.

Call us today to review your Insurance Costs.

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Andy and Ryan Roy
Insurance Agents


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Auto Insurance

Want the right coverage? With our flexible coverage options and expert service, you’ll know that your vehicle is getting the best protection possible.
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Home Insurance

Your home is your greatest investment, but you shouldn’t have to break the bank to insure it. Find out about getting the right coverage today.
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Business Insurance

As a business owner, you have enough on your mind without having to worry about your insurance needs. Let us find the best coverage at the best rates for you.
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Recent News & Updates

Will Special Event Insurance Cover My Event?

Posted: June 4, 2020

Hosting an event such as a wedding can be a costly undertaking. Special event insurance is designed to protect your investment. It can help cover your costs in case you need to cancel unexpectedly (if the bride or groom gets cold feet, for example). It can also help protect you from liability for injury or property damage caused during your event. When Do You Need...

Applying For Collector Car Insurance? Make Sure You Take These Steps Beforehand

Posted: June 1, 2020

Unlike most vehicles, collector cars appreciate in value. This means specialized insurance requirements for these vehicles. If you are becoming a classic car owner, you need to know the following before purchasing a collector car insurance policy. Eligibility For Collector Car Insurance Classic or Antique Vehicle To qualify for collector car insurance, your vehicle must meet one of the following two conditions: Antique vehicle: For...

What Does Contractors Insurance Not Include?

Posted: May 19, 2020

Every contractor needs a commercial general liability insurance policy to protect company assets and reduce liability risks. Commonly known as contractors insurance, a construction general liability policy can protect your contracting business against liability for injuries, accidents, and property damage. Proof of this type of insurance is required for many jobs for both contractors and subcontractors. What Kinds of Coverage Does Contractors Insurance Provide? A...

Tips For Maintaining An Older Car

Posted: May 16, 2020

More people are keeping their cars longer. The older a vehicle, the more likely it is to be paid off, plus you may get lower auto insurance premiums on higher mileage vehicles. Treating an older car right with proper maintenance can help extend its useful life. The following are some tips for maintaining an older vehicle. Follow The Manufacturer’s Recommended Maintenance Schedule Your user’s manual...

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