• 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

Choosing, Transporting and Caring for a Live Christmas Tree

Posted: December 7, 2018

There's something about the experience of cutting down your family's own Christmas tree that starts the holiday season. But did you know there's a lot to know about live trees? From choosing one, to transporting it home and keeping it fresh through the holiday season, there's something we can all learn. That's why we've called in an expert. Richard Palmer, the third-generation owner of Palmer... Read Article

10 Tips to Host a Holiday Party (Without Stressing Out)

Posted: December 3, 2018

Whether you’re planning a fancy multi-course meal or just a small get-together with friends, it takes time and effort to throw a party. Take a deep breath: You’ve got this! No task is too small… and no guest list is too large. Whatever the size of your shindig, here are 10 tips to help with your holiday gathering. (Want more must-read advice? Don’t miss our... Read Article

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