State Farm® Insurance Agent Howard Culbreth

"So I’ve been with this branch for over 10 years, but this office doesn’t seem to know how to cancel policies when you get rid of a vehicle. I have gotten rid of 2 vehicles since being with them, and they continued to charge me for those vehicles months after they’ve been gone. This happened to me back in December and again in July. The team blames it on underwriting, but regardless of whose fault it is I should not be charged for vehicles I don’t have. Communication is also poor, I told Kevin I wanted to unenroll from auto pay, and he never unenrolled me, I also sent an email with proof that I got a new auto insurance from a competitor so I could be done with State Farm and they didn’t acknowledge it and only wanted to cancel my renters rather than my auto. I do not recommend this team. It’ll be a miracle if I can get a refund after being charged for a vehicle I no longer have. Take your money elsewhere."

"Deneen’s service truly went above and beyond anything not only that I’ve ever experienced but also anything I thought I would have expected. Her communication both via phone call and email was phenomenal! She was quick and thorough in her responses even anticipating and being prepared for my needs. I am blown away by how easy she made a pretty big transition for my daughter and I. She absolutely made me feel like a part of the State Farm family before I ever was one. Kudos to the Howard Culbreth Agency for hiring such a gem as Deneen clearly is; she’s worth hanging on to!"

"I feel blessed to have such a relationship with none other than my insurance company, I’ve literally been a customer since I was 15 and I’m 45 now. Thank you for your entire team!! Y’all have been a f Blessing for me over the years. If you ever find yourself in a position about insurance. Call this office because it will shock you like it has myself"

"Wonderful staff, always very helpful and understanding. Thank you for all that you do!"

"Wonderful experience all around! Deneen (and Howard) have always been SO quick to respond, and incredibly helpful during changes to our policy over the years. Truly great people to work with!"

"Great State Farm agent, excellent service"

"Kevin LaValley’s service to his clients is impeccable. What stood out most during our interactions was his professionalism and attention to detail. He patiently answered all my questions, explaining complex terms in a way that was easy for me to comprehend. His promptness in responding to emails and phone calls also demonstrated a high level of dedication and commitment to delivering excellent service."

"Been doing business with Howards office for over 25 years and I wish I could give them more than 5 stars. Anytime I have a question or an issue I call DeNeen and she takes care of everything and answers all of my questions. I am treated like more than just a customer. I'm treated like family which is very hard to find these days. Highly recommend!"

"Switching back to State Farm after defecting years ago has been a full circle experience. DeNeen has been nothing short of AMAZING to work with. 🤩 Incredibly knowledgeable, patient & kind even when I've asked a million questions & probably the same question more than once. 😅 lol We have complete confidence that we are adequately insured on our home & cars with Howard Culbreth's State Farm office. Highly recommend them!! 🙂"

"I have always enjoyed calling and popping in at the office to see Howard and his team. They are welcoming and help direct me in the right direction with ALL my questions. They really are a good neighbor and are always there."

"Deneen was very thorough and patient with my families need. Thank you!!"

"Just talk to Denean and you’ll understand why you should have your insurance with State Farm. She is 1 of the sweetest and knowledgeable women I have ever dealt with!"

"Best insurance agents I've had! DeNeen is amazing and truly cares about what's best for me and my family and has always been there to assist us anytime we've needed her!"

"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!"

"Initial service was great; follow up service has been poor. If all goes well, I'll be paying a better price than where I'm @, so that's what's most important to me!"

"Anytime I called everyone of their employees is beyond helpful and super nice always a pleasure to speak to anyone when calling"

"Always the best customer service and good rates!"

"Best office in the world! Customer service unmatched. Friendly, courteous and fast."

"Thanks so much agent Kevin for your help with my roofing problem! Changed home/car insurance approx. 4 yrs ago, no unneeded yearly increase from company like the one i was using. Kevin is friendly, helpful and honest! Patricia P"

"They have astounding customer service. They treat you like a friend and go out of their way to make things easy and understandable. I would recommend to anyone."

"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!"

"This office pays attention to detail and it shows. I would recommend this office to anyone looking for top notch customer service."

"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"