Insurance in and around Madison Heights
Bundle policies and save serious dollars
Cover what's most important

Would you like to create a personalized quote?
- Madison Heights
- Amherst
- Lynchburg
- Monroe
- Forest
- Lovingtson
- Bedford
- Amherst County
- Nelson County
It’s All About You
Help protect what's important to you - your loved ones, home, etc. - with the wonderful insurance that State Farm offers. Agent Kim Z Gardner can help you develop a Personalized Price Plan® that's right for you. And don't forget to ask about the safe driving rewards, bundling options and discounts!
Bundle policies and save serious dollars
Cover what's most important

We’re There When You Need Us Most
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, cost structures, and unmatched financial strength, State Farm Life Insurance is a smart choice and a great value.
Simple Insights®
Wood stove and space heater safety
Wood stove and space heater safety
Learn how to keep your family safe and warm with these recommended safety tips.
Natural gas detectors — Are they worth it?
Natural gas detectors — Are they worth it?
Natural gas detectors can alert you and your family of odorless and dangerous leaks.

Kim Z Gardner
State Farm® Insurance AgentSimple Insights®
Wood stove and space heater safety
Wood stove and space heater safety
Learn how to keep your family safe and warm with these recommended safety tips.
Natural gas detectors — Are they worth it?
Natural gas detectors — Are they worth it?
Natural gas detectors can alert you and your family of odorless and dangerous leaks.