Kim Z Gardner

November, as a time of gratitude and reflection, is the perfect opportunity to think about the things that matter most—protecting what we’re thankful for. Just as we gather to appreciate family, friends, and all we've built, it’s a great moment to ensure those important aspects of our lives are well-protected with the right insurance coverage. This month, we’re here to help you review, update, or add coverage so you can head into the new year with confidence in your future.

Welcome to our website! With a State Farm heritage spanning three generations, I am proud to be celebrating my 25th year as a State Farm agent this October. Our office assists customers in Madison Heights, Monroe, Amherst, and Lynchburg and we are pleased to have customers from all the surrounding counties including Amherst, Nelson, Campbell, and Bedford. We do business anywhere in the state and 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!