Howard Culbreth

"I have been working with Howard and his team for about 7 years. They are all very responsive and helpful every time I request something. I am buying a new home and my lender has been a disaster to work with. Kevin and Starr jumped on some rush requests and were sensitive to the time constraint I was under. They really helped me when I needed it most. 👍🏼 And great work!"

"Unbelievable customer service. We had an issue with my escrow company where they had claimed to sent out a check for payment of the annual insurance, but somehow it never reached Statefarm and Norlene helped work with me and stayed on top of this issue relentlessly until it was resolved. Best customer service I’ve had from an insurance provider ever. Everyone I’ve dealt with from this location has been friendly, welcoming and helpful."

"This State Farm office is really, really great. We still have one policy under them, but unfortunately, moved to the SC side of Charlotte and had to switch most of our policies. Their rep, Kevin, is so on top of things that it blows me away. He catches details that we don’t even catch and ultimately ends up saving us big money, which recently happened with our homeowners insurance on a home we sold and forgot to report to them. I can’t say enough good things about this team. We’ve lived in multiple states over the past ten years, and this place is the best so far! Thank you, Kevin!"

"I have been with this Agency for 17 years and have never looked back. Howard and his team truly care about their customers and want what’s best for them. They are very knowledgeable and take the time to make sure all your questions are answered. Couldn’t ask for a better Agent!"

"Been a customer since 1994 and never had a problem, Howard and his staff are great and very honest! I have Auto, homeowners, business and retirement with him. I like that I can walk in his office anytime and talk to someone if I need to. -Sparkys Mobile Wash, Mark Lyon"

"This team never ceases to amaze me! They took the time to explain all of the "in's" and "out's" of NC insurance and made the transition to State Farm easy and painless! It was a no-brainer switching from my previous carrier because of this office! I look forward to many years as a satisfied customer!"

"They canceled my policy twice. Once by email, 2nd time by me calling. I pay my bills on time as I get them. One bill was for a new jet ski. I was told to pay half of $444 or 1/4 or monthly. I was dropped because I didn't pay in full. No one explained that to me....... I also own a VW tdi. Recall vehicle. I took it in for my goodwill package, and they needed my current insurance. I went to look for it and pulled it out. It had expired. (Once again no call). I had 7 policies with them. You'd think they would at least call. Nope! Just canceled, only for me to find out later. Simple communication would be nice. (Retention never reached out to me)"

"Howard and his team are exceptional at service and details that you need when it comes to insurance. We send many of our clients to his team as well as use him personally. They are exceptional at what they do and I know my clients and I are covered and in good hands if anything were to happen."

"I have been working with Kevin from State Farm since I was seventeen years old. He is very thorough and really just a wonderful guy to work with. The customer service at this office is top notch. If you're like me and like finding a forever place and dealing with people that know you by name when you call then this is the place!"

"I used to have my car insurance through Allstate. The service was okay, but I wanted to feel that I would have somewhere to go with any questions that I had. When I called my Allstate agent, the staff seemed almost inconvenienced that I was calling. So, I went shopping around and know that State Farm has a good reputation. I called Howard Culbreth's office because it was convenient to my apartment. They answered quickly and gave me a quote that was actually a better price than Allstate. They helped me understand the coverages and seemed very helpful, so I switched. I have been a customer for 2 years now and they are still quick to answer and always nice and very helpful."

"Have been a customer for many years, and once again you have provided excellent service - quick, complete and neighborly. The temporary ID card for the new car came through in email quickly, and a printed copy will be kept in the car until the permanent card arrives. You and your staff are unfailingly friendly and eager to help in any way possible. Thanks again for all you help over the years."