Kim Z Gardner

September can bring a calmer rhythm after the back to school rush. If your commute, household schedule, or weekend activities changed, insurance questions may be part of that reset. I can help you look at auto, home, or renters options in plain language.

Welcome to our website! With a State Farm heritage spanning three generations, I am proud to be celebrating 45 years with State Farm. We help customers across the state not just in Madison Heights, Monroe, Amherst, Lynchburg, and surrounding counties. That includes Amherst, Nelson, Campbell, and Bedford.

We do business the way YOU want to do business- call, click or stop in. We have a friendly, professional and hands on customer service approach.

Our State Farm agency offers a comprehensive range of insurance products to safeguard what matters to you most. Let us help protect your auto, home, business, RV, ATV, or boat which are all backed by our award-winning claims service.

In addition, we offer options for your life, health, and retirement needs. Call us today for a free quote or ask us any questions you may have!