Your Local Insurance and Financial Services Experts
The Gardner Agency is a family-owned insurance and financial planning agency located at 4001 Grand Ave in Duluth, Minnesota, serving residential and commercial clients throughout the Twin Ports and surrounding communities. Founded in 2000 by Christopher Gardner, the agency brings over 26 years of hands-on insurance experience to every client relationship, with a focus on education, personalized risk management, and outstanding service. Whether you need auto insurance, home insurance, or a financial plan for the future, The Gardner Agency is ready to help you understand your options and make the right choice for your situation.
A Different Kind of Insurance Agency
The Gardner Agency was built on a simple belief: clients deserve to understand the coverage they are paying for. Christopher Gardner does not just sell policies. He takes the time to review your actual risks, explain your options in plain language, and help you build a protection plan that fits your life. That educational approach has earned the trust of individuals, families, and business owners across Duluth, MN, Superior, WI, and the broader region for more than two decades.
Insurance and Financial Services That Cover What Matters
From protecting your car and home to planning for retirement and your family's future, The Gardner Agency offers a full range of coverage and financial services under one roof. Clients licensed in Minnesota and Wisconsin can work with Christopher Gardner on everything from renters insurance and motorcycle coverage to life insurance, long-term care planning, and college savings programs. Serving both residential and commercial clients means the agency understands the unique risks that come with owning a home, a vehicle, a business, or all three.
Why The Gardner Agency Is the Right Choice
Over 26 years of insurance and financial planning experience
Family-owned agency with deep roots in the Duluth, MN community
Licensed in both Minnesota and Wisconsin
Education-first approach that helps clients understand their real risks
Personalized service from a local agent who knows the region
Committed to supporting local nonprofits and community organizations
Residential and commercial clients both served
Reachable by phone or text for your convenience
Why The Gardner Agency Is the Right Choice
Auto Insurance
From liability protection to full coverage, options are tailored to your needs.
Home Insurance
Protects homes from fire, theft, weather, and liability for homeowners in Duluth and the service area.
Condo Insurance
Fills coverage gaps left by standard homeowners policy and clarifies what the building's master policy covers.
Renters Insurance
An affordable option that protects personal belongings and provides liability coverage for tenants.
Motorcycle Insurance
Liability, collision, and comprehensive options matched to a rider's habits and budget.
Boat Insurance
Covers watercraft from fishing boats to pontoons against damage, theft, and on-water liability, serving Lake Superior and northern Wisconsin.
RV Insurance
Covers motorhomes and travel trailers, including collision, comprehensive, and personal belongings protection.
Pet Insurance
Helps cover unexpected vet costs for dogs, cats, and other pets.
Life Insurance
Helps families choose between term and permanent policies based on their needs and goals.
Long-Term Care Insurance
Covers assisted living, in-home care, and nursing facility costs that health insurance usually doesn't.
Annuities
Provides a reliable retirement income stream and helps clients avoid outliving their savings.
Commercial Insurance
Protects business owners from liability, property damage, and operational risks.
Financial Services
Helps clients set goals, grow assets, and prepare for life events like retirement and education costs.
College Savings Planning
Helps families start education funds early, so student loans aren't the default plan.
Insurance Coverage Across the Twin Ports and Northern Minnesota and Wisconsin
The Gardner Agency is proud to serve clients throughout the region, including:
- Ashland, WI
- Bayfield, WI
- Cloquet, MN
- Duluth, MN
- Ely, MN
- Esko, MN
- Floodwood, MN
- Grand Marais, MN
- Hayward, WI
- Hermantown, MN
- Hibbing, MN
- Iron River, WI
- Lake Nebagamon, WI
- Proctor, MN
- Silver Bay, MN
- Superior, WI
- Two Harbors, MN
- Virginia, MN
Don't see your city listed? Give us a call—we may still serve your area!
- Ashland, WI Ashland, Wisconsin, United States
- Bayfield, WI Bayfield, Wisconsin, United States
- Cloquet, MN Cloquet, Minnesota, United States
- Duluth, MN Duluth, Minnesota, United States
- Ely, MN Ely, Minnesota, United States
- Esko, MN Esko, Minnesota, United States
- Floodwood, MN Floodwood, Minnesota, United States
- Grand Marais, MN Grand Marais, Minnesota, United States
- Hayward, WI Hayward, Wisconsin, United States
- Hermantown, MN Hermantown, Minnesota, United States
- Hibbing, MN Hibbing, Minnesota, United States
- Iron River, WI Iron River, Wisconsin, United States
- Lake Nebagamon, WI Lake Nebagamon, Wisconsin, United States
- Proctor, MN Proctor, Minnesota, United States
- Silver Bay, MN Silver Bay, Minnesota, United States
- Superior, WI Superior, Wisconsin, United States
- Two Harbors, MN Two Harbors, Minnesota, United States
- Virginia, MN Virginia, Minnesota, United States
REVIEW SECTION
⭐⭐⭐⭐⭐
Prompt and courteous response to my questions. They are definitely on top of things and proactive.
Services
Loan cover plans, Full coverage vehicle insurance, Homeowners insurance
-Jack H.
⭐⭐⭐⭐⭐
Connor was a huge help in us adding more information on our policy and helping us bundle efficiently and a timely matter.
Price assessment
Great price
Services
Full coverage vehicle insurance, Homeowners insurance, Savings cover plans
Quote wait time
Within 24 hours
Ease of reaching staff
Very easy
-Emily & Austin J.
⭐⭐⭐⭐⭐
Price assessment
Great price
Services
Dental insurance, Full coverage vehicle insurance, Vehicle renters insurance
-trenton t.
⭐⭐⭐⭐⭐
It took all the hassle out of putting a claim in for towing just simply sent him a receipt and they took care of the rest thank you so much
Price assessment
Great price
Services
Full coverage vehicle insurance, Homeowners insurance
-Lance W.
⭐⭐⭐⭐⭐
Chris and his staff are always very helpful and friendly, and quick to provide assistance whenever its needed.
Price assessment
Reasonable price
Positive
Responsiveness, Quality, Professionalism
Services
Full coverage vehicle insurance, Homeowners insurance, Boat and watercraft insurance
-Dennis W.
Start Protecting What Matters Most Today
The Gardner Agency has been helping individuals, families, and business owners across Duluth, Minnesota, manage their risks and plan for the future since 2000. Christopher Gardner and his team are ready to review your coverage, answer your questions, and build a plan that fits your life. Call us at 218-628-8002 or reach us by text at 218-722-2444 to get started.
