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!
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.
Posted: August 14, 2018Crunch. 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
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