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Effective January 1, 2020 the State of Idaho will use an online insurance verification system to ensure vehicle owners have insurance. All of the personal lines insurance companies that Three Rivers represents, are on the state’s approved vendor list and these carriers will be transmitting proof of insurance to the DOT. Many of our commercial and farm carriers are also on the state’s approved list and will be sending proof of insurance to the DOT.

Since this is a new process the state is implementing we are anticipating there will be some bugs that have to be worked out, so if you receive a notice related to one of your vehicles please contact one of our offices and we will be happy to assist.

We have also included a link to the Idaho Department of Transportation website that contains all of the details about this new law and includes an FAQ section about the new process.

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Homeowners, Auto, and Business Insurance in Boise and Caldwell, ID

Established Insurance Solutions for Residents and Businesses in Treasure Valley

Times have changed since 1908. Advances in technology and transformations in American culture are just a pair of developments that come to mind. Despite these changes, however, some things remain constant. Three Rivers Insurance is one of these consistencies. We’ve provided quality insurance services to the Treasure Valley community since our agency opened in 1908.


Whether seeking coverage for your home, vehicle, or business, we’ll personalize a policy to meet your needs and provide on-going service to confirm coverage is complete. This isn’t a new concept. Instead, it’s a steadfast plan our clients have trusted for more than 100 years.

Insurance Coverages You Can Trust

Although our agency has more longevity than most, we have the passion and drive of a startup business. Our agents stay updated on advancements in the insurance industry and adjust coverages accordingly. Any knowledge gained is passed along to clients, as education is an important component of our client service platform.


Agents strive to navigate clients to a fitting insurance destination. This route begins with a conversation to learn more about your specific requirements. Over the years we’ve recognized the difference between accurate coverage and an ineffective policy resides in an ability to listen. Learning more about your assets provides valuable insight into how to secure these essentials.


We partner with a selection of established national carriers. For clients, this means a customized policy, courtesy of our agency, is available alongside coverage backed by a reliable insurance product.


As a generalist agency, we specialize in securing a wide range of coverages. Homeowners and auto insurance serve as the backbone of our personal insurance program. From storm damage to accidents resulting in injury, homeowners insurance encompasses coverages such as property insurance and homeowners liability. Protection behind the wheel is available through comprehensive auto coverage, as well as liability coverage and collision coverage.


Farm insurance is a niche service of Three Rivers Insurance, and traditionally relevant to residents of the Greater Boise area. Our knowledge of the region contributes handedly to each policy produced. We take pride in the variety of coverages offered to local farmers, including farm owners insurance, crop insurance, and livestock insurance.


A comprehensive commercial insurance program is also an offering our agency boasts. Generations of businesses, regardless of the size or industry serviced, have safeguarded their operations through this program. Agents act as an extension of these companies, working alongside business owners and staff.


For more information regarding our established and trusted insurance coverages, contact an agent at your convenience.

Experienced Agents Committed to Client Service

Trust isn’t gained over a day, month, or year. It’s a characteristic tested overtime. Three Rivers Insurance continues to withstand the test of time and grow beyond its initial roots. In fact, we’re now proud to serve clients from five separate locations in Treasure Valley.


Just like you, our agents and staff members live and work in this region. We reside in the same neighborhoods and drive around the same turns. This gives us an advantage when determining coverage fitting for you. We can identity typical exposures, and possess the tools necessary to mitigate these risks.


Times may have changed, but our commitment to our clients and the community remains. Aside from insurance services, we also support various community functions throughout the year.


We look forward to working with you for decades to come. To get started on a policy, request a quote.

Additional Resources:

Meet Our Team

David  Gray
David Gray


Mike  Holcomb
Mike Holcomb


Mike Hillman
Mike Hillman


Sue York
Sue York


Nationwide Independent
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American Specialty Insurance Group, INC
CNA Surety Logo
Dairyland Insurance
Delta Dental
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Grundy Insurance
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Please visit any of our local offices to visit with one of our licensed agents.

10159 W Overland Road Boise, ID 83709
Office: 208-322-2445
Fax: 208-322-5681
910 E Cleveland Blvd Caldwell, ID 83605
Office: 208-454-1424
Fax: 208-459-4730
120 W Main Street Middleton, ID 83644
Office: 208-585-3487
Fax: 208-585-6384