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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2020 Denver Five Star Home/Auto Insurance Professional Andy Roy

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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

How Is Commercial Trucking Insurance Different From Standard Commercial Auto Insurance?

Posted: September 19, 2020

Commercial auto insurance provides coverage for the cars, vans, and trucks used in conducting business. It can be purchased to cover all types of vehicles, from standard passenger cars to larger commercial vehicles such as box trucks, work vans, and service utility trucks. Different businesses require different types of commercial auto insurance. Commercial trucking insurance is a type of commercial auto insurance designed to protect...

How To Prepare Your Home For Fall

Posted: September 16, 2020

When the thermometer begins to drop and temperatures get cooler, it’s time to start thinking about getting ready for autumn. The weather can be unpredictable, and it’s best to get a head start on seasonal chores so you are not caught unprepared. The following general “to-do list” can help you prepare your home for fall. Check for drafts: Reduce your heating bills and stay warmer...

Common Questions & Answers About Business Insurance

Posted: September 4, 2020

Any business, large or small, needs a business insurance package. These packages are a combination of various types of coverage, designed to protect a business owner’s investment when the unexpected happens. Here, we provide answers to some commonly asked questions about business insurance. Why Is It So Important To Have Business Insurance? Owning a business brings opportunities, but it also comes with certain risks. Business...

Is There Collector’s Insurance For Vehicles Other Than Cars?

Posted: September 1, 2020

Classic car owners know the value of collector car insurance. But what if your vintage vehicle is other than a car? Collector’s insurance is also available for owners of antique motorcycles, boats, and RVs. Collector’s Motorcycle Insurance Classic motorcycles are a passion for many collectors. You may want to consider collector motorcycle insurance if you own vintage or antique bike such as a: Triumph Bonneville...

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