Safe Harbor Insurance Group

At Safe Harbor Insurance, we believe that true protection comes from local expertise. Founded by Dave and Holly Gardner, our agency brings together a combined 32 of insurance experience right here in Winfield Missouri. As an independent agency, we aren't tied to a single insurance carrier—meaning our years of experience are utilized entirely to compare options and advocate for you.

Over the last 20 years we have proudly served local families and businesses, guiding them through everything from basic policy updates to complex claims. We don't just sell policies; we build lasting relationships based on trust, clarity, and unmatched industry knowledge.

We we offer some of the most respected companies in the industry, including Progressive, Geico, Liberty Mutual, Foremost, Auto-Owners, National General and Travelers to name just a few. As you can see, these are well respected companies that will be there when you need them.  We work to find the best coverage, value, and peace of mind for every client.