Debbi J Gardner

Welcome to Debbi J Gardner State Farm!

Here’s Your New Year Coverage Checklist: ✨

🚗 Fresh Schedules & Everyday Driving

From carpools to commutes and weekend plans, the new year is a great time to review your Auto Insurance and make sure it still matches how you’re on the road.

🏡 Students, Renters & New Beginnings

Whether college students are settling back in or young adults are renting their first place, Renters Insurance helps keep belongings covered as routines reset.

📦 Home Updates & Life Changes

Finished a project, hosted gatherings, or made changes around the house? Let’s double-check your Home Insurance so it reflects your current setup going into the year ahead.

💼 Local Business Growth

As Pueblo, CO businesses set goals and look ahead, reviewing Business Insurance now helps confirm it supports where you’re headed next.

❤️ Family & Future

A new year is the perfect time to revisit Life Insurance and make sure your loved ones are supported through whatever comes next.

📍 Proudly serving Pueblo, Debbi J Gardner State Farm is here to help you start the year organized, confident, and ready for what’s ahead. 🎉✨

As your local State Farm Insurance Agent, I am proud to protect our Pueblo, Colorado City, Walsenburg and the surrounding Pueblo & Huerfano Counties communities. I am a longtime resident of Colorado, having grown up in Greeley and now calling Southern Colorado home! I am a graduate of Regis University in Denver, Colorado where I got my bachelor’s degree in business management and sociology. I got my start in the insurance industry working at the State Farm regional office in Greeley, CO working in Auto Service. I spent 5 years in State Farm's corporate office in Bloomington in Agency Training. From then on, I fell in love with the idea of being an agent and celebrated 35 years with State Farm in January 2024!

I love getting to help people figure out what they need to protect their families and plan for their future! One of the reasons Pueblo, Colorado City & Walsenburg towns are so great is because the people are very down to earth and would do anything for their neighbors. Another couple reasons are because of the Reservoir, River Walk, San Isabel Forest and all of the authentic Mexican food!

I have five grown children and four grandchildren! In my free time, I enjoy traveling with my family, skiing, walking, reading, and golfing.

✅ Insurance FAQs

Q: 🚗 How often should I review my Auto Insurance?

A: At least once a year or anytime something changes, new car, new driver, move, or accident. A quick review helps make sure your coverage still fits your life.

Q: 🏡 I made updates to my home; do I need to tell my insurance agent?

A: Yes. Projects like renovations, finishing a basement, or adding outdoor structures can change your coverage needs. A simple policy review keeps everything current.

Q: 📦 What does Renters Insurance actually cover?

A: It protects your belongings, like furniture, clothes, and electronics—and may also include personal liability and temporary housing after a covered loss.

Q: 🛡️ Why consider Life Insurance if I’m young and healthy?

A: Starting early allows you to lock in long-term protection for the people who depend on you—and it can be easier to qualify when you're healthy.

Q: 🧒 Is Life Insurance for kids a thing?

A: Yes, many families choose it to help secure future insurability and long-term protection.

Q: 🆕 I just moved to a new state; do I need a new insurance policy?

A: Yes. Insurance laws are different in every state, so new policies are typically needed after relocating.

My team of insurance professionals and I are excited for the opportunity to help customers with their insurance and financial services to help prepare them for life’s unexpected. We’re ready to help customers find the right policy for their auto insurance, homeowners’ insurance, renters’ insurance, ATV/UTV insurance, motorcycle insurance, life insurance, and more. Click, call, or come visit us at our Pueblo, CO office today.