Your Neighbors in Duluth Deserve Personalized Insurance and Real Peace of Mind

The Gardner Agency is a locally rooted insurance and financial services agency located at 4001 Grand Ave., Duluth, Minnesota, serving individuals, families, and business owners throughout the Twin Ports region and beyond. Founded in 2000 by Christopher Gardner, the agency brings over 26 years of hands-on insurance experience and a genuine commitment to helping clients understand and manage their real risks. Whether you need auto insurance, home coverage, life insurance, or financial planning, The Gardner Agency is here to guide you through it all. Reach out today to start a conversation about protecting what matters most to you.

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Trusted Insurance and Financial Services for Duluth, MN, Residents

The Gardner Agency offers a full range of personal and commercial insurance products for residents and business owners in Duluth, Minnesota, and surrounding communities. Rather than simply selling a policy and moving on, Christopher Gardner takes an education-first approach, walking clients through their options so they can make informed decisions about their coverage. This commitment to clarity and genuine service has made The Gardner Agency a trusted name on the South Side of Duluth since the agency first opened its doors.

Personal insurance products available include:

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Auto insurance

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Home insurance

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Condo insurance

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Renters' insurance

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Motorcycle insurance

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Boat insurance

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RV insurance

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Pet insurance

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Life insurance

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Long-term care insurance

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Annuities

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ATV insurance

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Landlord and host insurance

Business coverage and financial services are also available, including commercial insurance, financial planning, and college savings planning.

A Local Agency That Knows the Duluth Community

Christopher Gardner has served the Duluth, MN, area since 2000, and that long history in the community shapes the way The Gardner Agency does business. Clients are not just policy numbers here. They are neighbors, and that personal connection drives every interaction. The Gardner Agency actively supports local nonprofits and stays involved in the community because Chris believes that a good insurance agent is also a good community member.

The agency is licensed in both Minnesota and Wisconsin, making it a natural fit for families and businesses on both sides of the border in the Twin Ports area. Clients can reach the team by phone at 218-628-8002 or by call or text at 218-722-2444 during regular business hours, Monday through Friday, 8:00 AM to 5:00 PM.

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Frequently Asked Questions About Insurance in Duluth, MN

  • What types of insurance does The Gardner Agency offer in Duluth, MN?

    The Gardner Agency offers auto, home, renters, condo, life, motorcycle, boat, RV, pet, commercial, and landlord insurance, along with financial planning and college savings services. The agency serves both residential and commercial clients throughout the Duluth area.

  • Is The Gardner Agency licensed to sell insurance in Wisconsin?

    Yes, The Gardner Agency is licensed in both Minnesota and Wisconsin, making it a convenient choice for clients in Superior, WI, and other communities across the border.

  • How long has The Gardner Agency been serving the Duluth area?

    The Gardner Agency has been helping clients manage their insurance and financial needs since 2000, giving the agency more than 26 years of local experience.

  • Can I bundle multiple insurance policies through The Gardner Agency?

    Bundling multiple policies together can result in meaningful savings on your overall insurance costs. Speak with Christopher Gardner to find out which combination of coverages best fits your situation.

Insurance Coverage Across the Twin Ports and Northern Minnesota and Wisconsin

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 Protect What Matters Most in Duluth?

The Gardner Agency has spent over two decades helping people in Duluth, Minnesota, and across the Twin Ports find the right coverage for their lives, their families, and their businesses.