Protecting What Matters Most for Hermantown Families and Businesses

The Gardner Agency is a family-owned insurance agency based in Duluth, MN, serving residents and business owners in Hermantown, MN, with personalized auto, home, life, and commercial insurance solutions. Founded in 2000 and backed by over 26 years of industry experience, Chris Gardner and his team take an education-first approach to help clients understand their risks and choose coverage that actually fits their lives. Reach out to The Gardner Agency today to get started with a policy review or a free quote.

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Insurance Solutions Built for Hermantown Residents

Hermantown families and business owners have unique needs, and The Gardner Agency is here to match you with coverage that reflects your real situation rather than a one-size-fits-all package. Chris Gardner takes the time to walk clients through their options, explain what each policy covers, and identify gaps that could leave you exposed. Whether you are a homeowner, renter, small business owner, or planning for retirement, the agency offers a wide range of insurance and financial products to protect you at every stage of life.

Available coverage options include:

A Full Range of Coverage Options Under One Roof

One of the clearest advantages of working with The Gardner Agency is the ability to bundle multiple policies and potentially save on your overall premiums. The agency offers a wide selection of personal and commercial coverage options, including:

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Auto insurance, including standard and customizable coverage plans

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Home insurance for owners, landlords, and vacant properties

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Condo insurance and renters insurance

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Motorcycle, boat, and RV insurance

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Pet insurance

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Life insurance and long-term care coverage

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Annuities and financial planning services

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Commercial insurance for local businesses

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College savings planning

A Risk Management Approach That Sets This Agency Apart

The Gardner Agency is not just about selling a policy and moving on. Chris Gardner built this agency around a commitment to helping clients genuinely understand their coverage, their exposures, and their financial future. With more than two decades serving the Duluth, MN, area, the agency has built lasting relationships with families and business owners throughout the region by treating every client as a neighbor, not just a number.

The agency is licensed in both Minnesota and Wisconsin, so Hermantown residents on either side of the state line can count on consistent, knowledgeable service close to home.

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Frequently Asked Questions About Insurance in Hermantown

  • What types of insurance does The Gardner Agency offer to Hermantown, MN, residents?

    The Gardner Agency offers auto, home, renters, condo, life, motorcycle, boat, RV, pet, and commercial insurance, along with financial planning and college savings products. Chris Gardner works with each client individually to identify the right combination of coverage.

  • How do I get a quote from The Gardner Agency near Hermantown?

    Call us at 218-628-8002 or reach out by email to start the process with a no-pressure conversation about your needs. The agency makes it easy to explore your options without any obligation.

  • Can The Gardner Agency help me bundle my home and auto insurance?

    Yes, bundling home and auto policies is one of the most effective ways to reduce your overall insurance costs. Clients can save significantly by combining policies through the agency.

  • Is The Gardner Agency licensed to serve clients in Wisconsin as well as Minnesota?

    Yes, the agency is licensed in both Minnesota and Wisconsin, making it a convenient choice for clients who live or work across the border.

Insurance and Financial Services Across the Northland Region

The Gardner Agency proudly serves clients throughout the following communities:

  • 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!

Ready to Review Your Coverage? Start the Conversation Today.

The Gardner Agency has been helping Northland families and businesses protect what they have built since 2000, and the team is ready to do the same for you. Whether you need a quick policy review, a new quote, or a long-term financial plan, Chris Gardner brings decades of experience and genuine care to every client relationship.