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Serving Individuals, Families, and Businesses
in CT, RI, NC, SC and GA since 1977

Our dedicated staff of insurance professionals are here to assist you in securing an insurance policy to protect you and your loved ones for years to come. With a vast knowledge of our many carriers, we are equipped to shop for the best policy to suit your needs. Our job is to help you navigate through the sea of policy options and clarify any questions or concerns you may have along the way. We’ve successfully served hundreds of customers and are determined to treat each individual with respect and compassion. Shopping for insurance can be difficult, but our staff does the work for you. Maintain your peace of mind knowing that our insurance professionals have your back. We are proud to serve individuals, families, and businesses in the Stratford, Fairfield, Shelton, Milford, Bridgeport, and the surrounding communities.

AJ Gambardella provides personal line coverage such as homeowners, auto, and life insurance and we also support businesses with protection such as general liability, workers comp, commercial auto, contractors insurance (including plumbing, electrical, and HVAC), restaurant insurance, liquor liability, retail, office (small business), and more! To find the best insurance at a great price, we use reputable insurance companies such as Travelers, Safeco Insurance, Liberty Mutual, Selective Insurance, The Hanover Insurance Group, Nationwide, The Hartford, Markel First Comp, Progressive, Foremost, Encompass, Hagerty, Utica National Insurance Group, the Main Street America Group, Berkshire Hathaway Guard Insurance Companies, Plymouth Rock Assurance, Quincy Mutual Group, State Auto Insurance Companies, and others!

We are a top insurance agency in Connecticut and provide the best homeowners insurance coverage at an affordable price. Contact us today to get a low cost homeowners insurance quote.

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Featured Carriers

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Guard Logo
Hagerty Logo
Hanover Logo
Liberty Mutual Logo
Markel Logo
Nationwide Logo
Openly Logo
Plymouth Rock Logo
Progressive Logo
Quincy Mutual Group Logo
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Selective Insurance Logo
State Auto Logo
The Hartford Logo
The Main Street America Group Logo
Travelers Logo
Utica Logo

What Clients Say

Very happy with the service,I purchase a car on the same day I had my liability insurance ID card email to me.A pleasure to work with everyone in the office.

-Barbara Varjas-Weiner Google Reviews

Thank you very much for your work always. available Thank you very much

-Edenilson Camp Google Reviews

Efficient, responsive and personalized service.

-Kayleigh Boemmels Google Reviews

I have been working with Maria at Gambardella for 3 years now and it has been an absolute pleasure. Between home & auto insurance I'm probably saving over $2,000 a year compared to my previous insurer, Maria is always fast to answer my questions and makes sure I have all...

-Nick Racanelli Google Reviews

This is one of the best agencies I have had experiences with. Their customer service is excellent and so is their follow-up. Highly recommended.

-Nancy Della Donna Google Reviews

This is a wonderful company that's always answer the phone and answers all my questions! They are very courteous and kind! They care about their customers!

-Joshua Higginbotham Google Reviews

Staff is always helpful and attentive

-Andy Paules Google Reviews

I have had a great experience with this agency great pricing too

-menachem gindy Google Reviews

I’ve been with the agency for some 20+ years and they have always advised me without prejudice. And…when my mortgage company calls and requests copies of whatever policy it is that they claim they don’t have they always send it for me that day. They send confirmation that the task...

-Joanne lincoln Google Reviews

The staff at A.J. Gambardella Assoc. is awesome and helpful and always looking out for your best interest. Much thanks to my agent Carol Bickley always on top of my insurance. I would highly recommend them.

-lou sollami Google Reviews

I love my agent Deb,. She is responsive, helpful and professional

-Rhea Faniel Google Reviews

Gene was referred to me, exceptional service, pricing and detailed oriented. Wonderful to work with!

-susan aragi Google Reviews

I've been a client of Gambardella since I bought my first car at age 20. Fast forward 35 years, and I can pick up the phone and speak to the SAME agent which is insane and WONDERFUL. Over the years she has walked me through incidents and accidents and two...

-Mary H.

I went to a another local broker and they couldnt find me anything cheaper than what i was paying. This company was able to save me on my homeowners and car insurance! I worked with Maria, she was very patient and answered all my questions thoroughly. Will continue to use...

-Amanda C.

We have been a client for over 30 years, and there is good reason for that.  Chris and his entire team are knowledgeable, professional, efficient, attentive and warm.  This agency is exceptional.

-Joe C.

Courteous, very responsive and efficient service

-Myriam J.

Gambardella insurance has been our provider "forever", if you are looking for a great agency call them!    Ask for Debi   (-;

-Rob S.

The team at a j's insurance is fabulous they handle all of my needs auto home business investment properties insurance exceptionally well I highly recommend this agency

-Ronnie C.

Debi has always been very helpful With my insurance need for the past 25 years.

-Enoc M.

Amazing Experience!!  I was recommended to reach out to Maria Kelly to get a quote on Home & Auto. Maria was very professional and efficient I loved her level of communication, she handled everything for me without issues and was able to provide me with the best insurance solution available....


No matter the question big or small, your questions will be attended to professionally and honestly.     Gambardella Insurance is the place that we have done business for over 25 years.    Always pleased and appreciate the patience and concern with all our needs.

-Anne A.

The best insurance agency I have ever done business with. I have had  both personal and commercial policies with them for many years. Always on top of things, always extremely helpful and decent, kind people too.

-Deborah B.

Their big differentiator from other insurance companies I have worked with is the personal and proactive care they provide in helping me navigate the continually changing insurance landscape (e.g. when my oldest turned 16 this year and stared driving). Always attentive to my frequent questions, extremely responsive, and genuine concern...

-Scott R.

The staff is so attentive, the customer service is great! Very responsive & get the job done!

-Silvija B

I contacted Maria to review my current auto and homeowner’s policies. She determined that I already had the best rates available. Although I was unable to become a client, Maria continued to offer advice for coverage I was missing and thoroughly answered all questions. Maria was very professional, courteous, and...

-Laura C

I have been with the company for over 10 years and I have not one single complaint ever. Gene is amazing !!!!!! there is not enough words to describe how great he is and how much dedication and compassion he put into his job. If I can give more then...

-turquoise frazier

Insurance generally leaves me with an overwhelmed feeling of dread, but Maria Kelley at AJ Gambardella has been a pleasure to work with. She provides excellent, timely follow-up, and she saved us a significant amount of money from our previous company without sacrificing our coverage. Every step of the way,...

-Katrina P

This website is easy to use, fast and effective. They do not only give you great service, but a valuable PDF that you can look over the information. I would recommend.

-Kenneth E

Great service


Camila Teixeira is wonderful! Everything I need she is always helpful and quick! Good job Camila! I wish the best for you! Thank you!

-Milena M

Excellent and knowledgeable service. Debi Lombardi is amazing, Jessica, everyone is wonderful. Nothing but good things to say about the team at Gambardella.

-Heather O

I have been working with Gene for years, he has been extremely helpful with any and all questions/issues/changes I have had. The rate he was able to get for my home/car insurance was less expensive than what I was able to find (I looked for months on my own. Used...

-Phil S

I would recommend gambardella insurance for the best customer service and premium pricing. My agent Maria Kelley supplied detail on my coverages and was able to set me great premiums. I will be recommending her to family and friends.

-Danny B

I have been a customer of Gambardella Insurance and Nationwide for 30 + years. They have always been helpful and responsive to our insurance needs through the years.

-Winifred P

Gambardella Insurance Group has been an absolute pleasure to work with. The staff is extremely courteous and always available whenever I’m in need of assistance. My family has been lucky enough to work with Michele for years. She’s incredibly knowledgeable and I trust her entirely when it comes to understanding...

-Danelen Castelot

Our cabinet shop has all of our business and personal insurance policies with Gambardella and have had for over 10 years. It is so nice to have a local contact who knows your business and knows you. They look out for us and that is priceless!

-Byrne Woodworking

Michele and A.J. Gamardella Associates has provided our small business with insurance tailored to our specific needs. They are always available and ready to provide us with support and guidance regarding our policies when needed.

-Theresa Kieley

This is so far the best agency we have worked with. We had Camila Teixera helping us with everything. She was very easy to talk to and understood all of our needs . She got us an amazing deal for car and house insurance that we just couldn't turn it...

-Marciele Silva

I have been a loyal customer for well over 16 years. The only reason why I stay is because of Debi. She always goes above and beyond for myself and my family and has been there through thick and thin all these years. Debi is an asset to that company....

-Joanne Evensen

I have been a customer of A.J. Gambardella Associates for over 29 years. Everyone there is great, especially Debi. She is attentive, kind, quick to answer any questions and thoroughly looks into the best policies for my family and our needs. I would highly recommend their agency.

-Danielle Peters

Camila Teixeira has assisted my family and I with our car and home insurance for a little over a year. She always make sure we have good coverage and the best deal available. It’s always easy to reach her if we have questions or need help.

-Susana Melo

This company has been very helpful, I recently got a quote from Maria Kelley who was really professional and the customer service was outstanding. I would recommend this company to my friends and family. This is the best insurance company I’ve worked with.

-Tim Jones

I have been a customer for more than a few years and I have always been very satisfied with Carol Bickley's commitment to finding us the lowest price without losing any coverage. I always compare prices and she always has the best. When I have a question she responds almost...

-David Jacques

Gene was fantastic and literally the best insurance agent I've ever worked with!

-Tony Borea

Michelle is amazing. My previous homeowners insurance agent sent my bill to my previous address which was not forwarded, and my homeowners was canceled. I reached out to Michelle for a quote, and even with my car and umbrella policy added it was less than my previous homeowners company. She...

-Joseph Szarmach

Positive: Professionalism, Quality, Responsiveness, Value Maria Kelley was our agent from AJ Gambardella Insurance Office whom I dealt with. I can not speak highly enough for everything she did for me. I'm a very skeptical person and a very hard sell and I wasn't even looking to shop around for insurance but that didn't...

-Paulo Lage

I have been dealing with the Gambardella agency for years and have always found their rates to be the lowest and their customer support to be the best. Recently, Maria reviewed my policies and went out of her way to reduce my premium when it came up for renewal without...

-Denise Kennedy

Chris Garmbardella and his associates are wonderful! They are very responsive whenever I have a question or need to update or change a policy. They always try to reduce my rates whenever they can and always keep in contact about new products that may suit my needs. I can't say...

-TaraO From Fairfield, CT

I was doing some comparison shopping and came in contact with Agent Gene P. I was immediately impressed by his knowledge of the industry, and his ability to relay things to me in understandable terms. Gene took care of everything during the transfer - I did not make a single...

-Lano243 From Cheshire, CT

The Gambardella did a great job with our life insurance needs. We were able to get the coverage that we needed at an affordable premium. Chris took time to explain the different types of policies and performed a needs analysis to make sure we have the right protection. Great experience

-DannyMistr From Stamford, CT

I recently signed up with Nationwide through AJ Gambardella. They agent made the process so easy. She handled everything, including cancelling my old policy. Shortly there after I had a claim; I called my agent and she handled everything. I would recommend AJ Gambardella Associates to everyone! They have professional...

-JohnD28 From Milford, CT


May 8, 2024

Common Property Liability Claims Against Businesses

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