Home and Auto Insurance That Works for You

Personalized Protection for Where You Live and How You Drive

At the Harry O. Culp Insurance Agency, we understand that your home and your car are two of the most important things in your life. They provide comfort, freedom, and security, and they deserve thoughtful, dependable protection. Our home and auto insurance solutions are built around your needs, not a one-size-fits-all plan. Whether you are a first-time homeowner or have been on the road for decades, our team will help you find coverage that fits your lifestyle, your property, and your budget.

We have served families and individuals in Grand Ledge and throughout Michigan and the surrounding communities for nearly a century. As an independent agency, we are not limited to a single insurance company. Instead, we work with a network of trusted, top-rated carriers. This gives us the flexibility to compare options, explain the differences, and help you make an informed decision. Our goal is simple: to help you protect what matters most with insurance that feels personal, not overwhelming.

Auto Insurance That Keeps You Moving

Whether you use your car for commuting, weekend trips, or family errands, having the right auto insurance means you can drive with confidence. Michigan drivers face a unique set of conditions, from icy roads in the winter to varying insurance laws. That is why our auto insurance options are built to reflect both your driving habits and the risks you face on the road.

We offer everything from basic liability insurance to full coverage policies that include collision, comprehensive protection, and personal injury coverage. If you are ever involved in an accident or if your car is damaged by something unexpected like a storm, theft, or a falling tree, we will make sure you have the coverage you need to get back on the road quickly.

We also offer important additions like rental car reimbursement, roadside assistance, and uninsured or underinsured motorist protection. These extra layers of coverage help make sure you are not left in a difficult position if the unexpected happens. And when it comes to filing a claim, our team is here to help every step of the way.

Home Insurance That Reflects Your Life

Your home is more than a structure. It is where life happens, and we believe it deserves more than a basic insurance policy. Whether you live in a starter home, a newly built house, or a well-loved family property, we will help you protect it with coverage that makes sense for your situation.

Our homeowners insurance policies cover damage from fire, wind, hail, and other natural events. They also protect you against theft, vandalism, and liability claims. In addition to covering the physical structure of your home, we will help you select coverage that includes your belongings, outbuildings, and even expenses like hotel stays if you are temporarily displaced.

We take the time to get to know your property and your concerns. Whether you have installed a new roof, finished a basement, or added a detached garage, we will make sure your coverage is updated to reflect those changes. We can also help you explore optional coverage such as sewer backup, equipment breakdown, and identity theft restoration if those apply to your situation.

The Benefits of Bundling

One of the most effective ways to simplify your insurance and save money is by bundling your home and auto policies. Bundling often comes with multi-policy discounts, but it also means fewer bills, less paperwork, and a more seamless experience if you ever need to file a claim. Since we work with multiple carriers, we can compare bundled rates across providers and help you find the best overall fit.

Even if you already have insurance in place, we are happy to review your existing policies and give you honest feedback. Sometimes a small change can result in better coverage or lower costs, and we are here to help you spot those opportunities.

Why Choose the Harry O. Culp Insurance Agency

We have built our reputation on trust, transparency, and service. Our clients know that when they call, they are speaking with someone who knows their name, understands their coverage, and is ready to help. We do not use call centers or complicated online-only platforms. We provide real advice from local agents who live and work in the same community you do.

Whether you are insuring your first car, upgrading your home, or simply looking for better service, we invite you to connect with us. Our team is ready to listen, answer your questions, and help you build a policy that truly works for you.