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State Farm® Insurance Agent Howard Culbreth

4.8 out of 5 average rating (34 reviews) View Howard Culbreth's reviews on Google

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Our customers are the center of our universe and we’re grateful for them. If you’re willing to share your experience about your interaction with our agency, it’ll be a great help for other people looking to make smart and confident decisions about their insurance and financial services.


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What our customers say about us...

Kristin Dills

September 20, 2023

5  out of  5 rating by Kristin Dills
"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!"

David Duncan

August 7, 2023

5  out of  5 rating by David Duncan
"Great State Farm agent, excellent service"

Steve Benfield

July 28, 2023

5  out of  5 rating by Steve Benfield
"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."

Pat Dixson

June 23, 2023

5  out of  5 rating by Pat Dixson
"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!"

lissa_ mac

June 21, 2023

5  out of  5 rating by lissa_ mac
"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!! 🙂"

Lauren Huggins

April 21, 2023

5  out of  5 rating by Lauren Huggins
"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."

Sara Lee

October 12, 2022

5  out of  5 rating by Sara Lee
"Deneen was very thorough and patient with my families need. Thank you!!"

Karen Zomick

August 9, 2022

5  out of  5 rating by Karen Zomick
"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!"

Taylor Christian

October 26, 2021

5  out of  5 rating by Taylor Christian
"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!"

Richard Sharp

August 19, 2021

5  out of  5 rating by Richard Sharp
"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!"

Zaneta Freeman

December 1, 2020

3  out of  5 rating by Zaneta Freeman
"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!"

GinaMariex31

November 9, 2020

5  out of  5 rating by GinaMariex31
"Anytime I called everyone of their employees is beyond helpful and super nice always a pleasure to speak to anyone when calling"

Jonathan C

July 19, 2020

5  out of  5 rating by Jonathan C
"Always the best customer service and good rates!"

L C

February 29, 2020

5  out of  5 rating by L C
"Best office in the world! Customer service unmatched. Friendly, courteous and fast."

Patricia Proctor

February 19, 2020

5  out of  5 rating by Patricia Proctor
"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"

Nathan C

August 5, 2019

5  out of  5 rating by Nathan C
"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."

Jeremy Saltz

April 26, 2019

5  out of  5 rating by Jeremy Saltz
"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."

S B

April 19, 2019

5  out of  5 rating by S B
"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!"

Allison Lineberry

November 26, 2018

5  out of  5 rating by Allison Lineberry
"This office pays attention to detail and it shows. I would recommend this office to anyone looking for top notch customer service."

Starr Vernon

July 13, 2018

5  out of  5 rating by Starr Vernon
"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!"

Mark Lyon

January 30, 2017

5  out of  5 rating by Mark Lyon
"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"

Elizabeth Otersen

January 12, 2017

5  out of  5 rating by Elizabeth Otersen
"Customer service is awesome. Kevin handles everything from cracked windshields to collisions with enormous punctuality and care. Would recommend Howard Culbreth State Farm to anyone without reservation."

Jordan H

October 16, 2016

5  out of  5 rating by Jordan H
"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!"

Andrew Gorup

August 10, 2016

1  out of  5 rating by Andrew Gorup
"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)"

Brad Roche

June 17, 2016

5  out of  5 rating by Brad Roche
"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."