Insurance in and around Madison Heights
Multiple ways to help keep more of your hard-earned dollars
Customizable coverage based on your needs

Would you like to create a personalized quote?
- Madison Heights
- Amherst
- Lynchburg
- Monroe
- Forest
- Lovingtson
- Bedford
- Amherst County
- Nelson County
Find The Insurance Coverages You Need At State Farm.
We can help you create a Personal Price Plan® to help protect what’s important to you – family, things and your bottom line. From safe driving rewards, bundling options and discounts*, design your coverage to meet your individual needs. Contact Kim Z Gardner for a Personalized Price Plan.
Multiple ways to help keep more of your hard-earned dollars
Customizable coverage based on your needs

Got A Goal? Let Us Help You Get There
But your automobile is just one of the many insurance products where State Farm and Kim Z Gardner can help. House, condo, or apartment, if it’s your home, it deserves State Farm protection. And for the unexpected. Securing your family’s financial future can be a major concern. Let us ease that burden. With a range of products, personalized pricing plans, and unmatched financial strength, State Farm Life Insurance is a smart choice and a great value.
Simple Insights®
A nose that knows: Support and service dog jobs
A nose that knows: Support and service dog jobs
Dogs are more than just man's best friend. Some dogs have specialized jobs in the workforce.
Do stay at home moms & dads need life insurance?
Do stay at home moms & dads need life insurance?
Even when an adult family member doesn’t work outside the home, life insurance is still worth considering.

Kim Z Gardner
State Farm® Insurance AgentSimple Insights®
A nose that knows: Support and service dog jobs
A nose that knows: Support and service dog jobs
Dogs are more than just man's best friend. Some dogs have specialized jobs in the workforce.
Do stay at home moms & dads need life insurance?
Do stay at home moms & dads need life insurance?
Even when an adult family member doesn’t work outside the home, life insurance is still worth considering.