• J.M. Gardner Insurance
    Provides Auto, Home, Personal, and Business Insurance to
    Lynchburg and Central Virginia

    September 10th, 2014 by J.M. Gardner Insurance

  • Auto, Home and Personal Insurance Quotes.

    Low Rates, Local Agents, and Complete Peace of Mind.

    Get A Quote

    August 13th, 2015 by J.M. Gardner Insurance

  • Business Insurance Quotes

    Specialized Coverage You Need to do Business with Confidence.

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    August 5th, 2014 by J.M. Gardner Insurance

  • Life & Health Insurance Quotes

    We Want to Help Protect You During All Stages of Life.

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    August 5th, 2014 by J.M. Gardner Insurance

Welcome to J.M. Gardner Insurance

Auto/Car Insurance, Homeowners Insurance, Business/Commercial Insurance, and Life & Health Insurance For Lynchburg and Central Virginia

Located in Lynchburg, Virginia, J.M. Gardner Insurance was established in 1993 as an independent insurance agency. We serve the needs of small businesses and individuals throughout Central Virginia with auto/car insurance, homeowners insurance, umbrella insurance, boat insurance, motorcycle insurance, ATV insurance, RV insurance, business insurance, commercial property insurance, general liability, excess liability, flood insurance, worker’s compensation, inland marine insurance, and life/health insurance.

Put our local experience to work for you!

An Independent Advantage

We are Independent Agents in Lynchburg, Virginia, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. J.M. Gardner Insurance represents a carefully selected group of financially strong, reputable insurance companies, therefore, we are able to offer you the best coverage at the most competitive price.

March 11th, 2016 by J.M. Gardner Insurance

Recent Blog Posts

Can You Guess The Real Cost of a Fender Bender?

Posted: August 14, 2018

Crunch. Uh-oh… it’s the unmistakable sound of a fender-bender. When a car rear-ends you in a parking lot, there’s a lot that races through your mind… including, “How much is this going to cost?” Unfortunately, with today’s high-tech cars, a minor impact doesn’t always mean minor damage. That bumper may look like just another piece of plastic… but the real price of repairing or replacing... Read Article

4 Brilliant Ways to Keep Kids Occupied on Road Trips

Posted: August 13, 2018

“How much longer?” “Are we there yet?” “I’m bored!" Do these phrases sound familiar? If you’ve gone on a long road trip with your children, you may have heard them before. Those rides to your family’s favorite far-away spot can mean spending several hours – or even days – in the car. They’ll also leave you wondering how to keep your kids occupied and test... Read Article

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Patrice Nemetz-Gardner
Excellent posts and great information.
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