

Office Hours
Mon - Fri 9:00am to 5:00pm
Sat 9:00am to 12:00pm
Evenings by appointment
Insurance Products Offered
Auto, Homeowners, Condo, Renters, Personal Articles, Business, Life, Health, Pet
Other Products
Banking
Would you like to create a personalized quote?
Kim Z Gardner
Kim Z Gardner Ins Agency Inc
Office Hours
Mon - Fri 9:00am to 5:00pm
Sat 9:00am to 12:00pm
Evenings by appointment
Address
Madison Heights, VA 24572
Route 29 and Route 130


Office Hours
Mon - Fri 9:00am to 5:00pm
Sat 9:00am to 12:00pm
Evenings by appointment
Insurance Products Offered
Auto, Homeowners, Condo, Renters, Personal Articles, Business, Life, Health, Pet
Other Products
Banking
Would you like to create a personalized quote?
Office Info
Office Info
Office Hours
Mon - Fri 9:00am to 5:00pm
Sat 9:00am to 12:00pm
Evenings by appointment
-
Phone
(434) 528-2845 -
Toll Free
(877) 528-2845 -
Fax
(434) 528-3348
Languages
Insurance Products Offered
Auto, Homeowners, Condo, Renters, Personal Articles, Business, Life, Health, Pet
Other Products
Banking
Office Info
Office Info
Office Hours
Mon - Fri 9:00am to 5:00pm
Sat 9:00am to 12:00pm
Evenings by appointment
-
Phone
(434) 528-2845 -
Toll Free
(877) 528-2845 -
Fax
(434) 528-3348
Languages
Simple Insights®
How much life insurance do I need?
How much life insurance do I need?
Here are some of the main factors to consider when you start thinking about the people & assets you want to protect & how long you want to protect them.
Life insurance vs annuities
Life insurance vs annuities
Staying informed about how annuities and life insurance work makes it easier to come up with a financial roadmap that's tailored to your needs.
Car maintenance tasks you can do yourself
Car maintenance tasks you can do yourself
To combat auto repair costs that keep climbing, some auto maintenance can be done at home. Here are ones that are usually do-it-yourself.
Social Media
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Carolyn Rhoades
Office Manager
License #560219
Viewing team member 2 of 4
Timothy Larkin
Insurance Account Representative
License #1344895
Viewing team member 3 of 4
Lee Gardner
Insurance Account Representative
License #1376661
Viewing team member 4 of 4
Elaine Cherry
Account Manager
License #640860