• 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.

    Get A Quote

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

  • Life & Health Insurance Quotes

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

    Get A Quote

    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

12 Ways to Stay Active This Winter

Posted: January 16, 2019

Looking outside and seeing snow-covered roads can make the decision to stay in bed a lot more tempting. We all know winter weather can get you in a rut – but there are plenty of ways to liven up when you’ve got cabin fever. (Read our list of 21 ways to beat cabin fever.)Ready to break a sweat? Check out this list.How to Exercise During Winter... Read Article

Stopping on Ice: To Pump or Not to Pump?

Posted: January 11, 2019

On ice and snow-covered roads, it’s more important than ever to understand the basics of safe driving. Smart winter travel planning, reliable tires and regular vehicle maintenance all go a long way to keeping you safe on the road. Related: 8 Things Your Car Needs in Winter But when it comes to driving on ice, there are still some common misconceptions. You might hear conflicting... Read Article

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