• 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

Pool Safety Tips

Posted: July 11, 2018

Having a swimming pool is a dream come true for many, but it also comes with responsibilities. According to the Centers for Disease Control and Prevention, very young children ages 1-4 are at the greatest risk of drowning. In most cases, the little ones were at home and had slipped outside and into the pool without anyone noticing. Even older children and adults can be at... Read Article

What You Need to Know About Lightning Safety

Posted: June 22, 2018

This week marks Lightning Safety Awareness Week. Though disasters like hurricanes tend to get more attention during the summer months, it’s important to know how to stay safe from lightning. That’s because lightning presents serious dangers to both people and property. Lightning safety and people Lightning can occur during any time of the year, but lightning casualties are highest during summer. July is generally the... Read Article

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  • Patrice Nemetz-Gardner
    Excellent posts and great information.
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