3R Insurance Agency
9035 Wadsworth Pkwy Ste 2730-B, Westminster, CO 80021
View this agency's profile to learn more about their services.
Loading...
City directory
Westminster households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
9035 Wadsworth Pkwy Ste 2730-B, Westminster, CO 80021
View this agency's profile to learn more about their services.
11080 Circle Point Rd, Suite 190, Westminster, CO 80020
View this agency's profile to learn more about their services.
11080 Circle Point Rd, Ste 190, Westminster, CO 80020
View this agency's profile to learn more about their services.
11080 Circle Point Road, Ste. 100, Westminster, CO 80020
View this agency's profile to learn more about their services.
11080 Circle Point Road, Ste. 100, Westminster, CO 80020
View this agency's profile to learn more about their services.
11080 Circle Point Rd, Ste 100, Westminster, CO 80020
View this agency's profile to learn more about their services.
8442 Federal Blvd, Westminster, CO 80031
View this agency's profile to learn more about their services.
10090 Garrison Street, Suite 103, Westminster, CO 80021
View this agency's profile to learn more about their services.
2690 W 104th Ave, STE 110, Westminster, CO 80031
View this agency's profile to learn more about their services.
390 Interlocken Crescent, Suite 350, Westminster, CO 80021
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Westminster residents.
Complete insurance guide for Westminster, MD covering auto requirements, home rates, local agents, and savings tips. Get expert advice for Carroll County.
General Insurance EducationComplete insurance guide for Westminster, CA. Learn about 2025 auto requirements, home coverage, earthquake/flood risks, and local agents in Orange County.
Home InsuranceWestminster home insurance rates are rising 20%+ in 2025. Learn about earthquake coverage, Little Saigon housing, and ways to save on Orange County premiums.
Home InsuranceWestminster homeowners pay $611-$827/year for insurance. Learn how historic homes, weather risks, and Carroll County location affect your rates.
Home InsuranceWestminster homeowners face unique hail risks. Learn about wind/hail deductibles, Class 4 roof discounts, and why Colorado rates jumped 58% since 2018.
Car InsuranceWestminster, MD drivers need 30/60/15 coverage plus uninsured motorist protection. Learn how Maryland's 1% contributory negligence rule affects your claims.
Maryland requires 30/60/15 liability coverage ($30,000 per person, $60,000 per accident for bodily injury, $15,000 for property damage), uninsured/underinsured motorist coverage at the same limits, and $2,500 in Personal Injury Protection (PIP). Maryland's requirements are more comprehensive than most states because they mandate uninsured motorist coverage, which many states make optional.
Westminster homeowners typically pay between $1,630 and $1,945 annually for home insurance, which is about 24% below the national average of $3,467. Your actual rate depends on your home's age, construction type, location within Westminster, and claims history. Shopping around matters, as rates can vary significantly between carriers.
Local Westminster agents like Crawford Yingling (100+ years in business) and Kight's Insurance (65 years) offer personalized service and Carroll County-specific knowledge that online carriers can't match. They understand local risks, provide face-to-face claims assistance, and can advocate for you with insurers. However, online options may offer lower rates for straightforward situations, so it's worth comparing both before deciding.
The most valuable discount is bundling auto and home insurance with one carrier, which typically saves 15-25% on both policies. Other common discounts include security systems, multiple vehicles, good driving records, higher deductibles, and loyalty rewards. McDaniel College students and alumni may qualify for education discounts, and some insurers offer professional, military, or homeowner discounts on auto policies.
Westminster isn't in a high-risk flood zone, but flood insurance is worth considering if your home is near streams or in a lower-lying area. Standard homeowners policies don't cover flood damage, and flood insurance is separate, typically costing a few hundred dollars annually. Even if you're not required to have it by your mortgage lender, it provides valuable protection since flood damage can be catastrophic and expensive.
You should compare insurance rates every 2-3 years even if you're satisfied with your current coverage. Insurance companies regularly adjust their pricing models, and a carrier that offered competitive rates years ago might no longer be your best option. Getting quotes doesn't commit you to switching, but it ensures you're getting fair pricing and gives you negotiating leverage with your current insurer.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network