Coverage That Fits Your Life

From farms and families to boats and businesses, we help protect what matters most with personalized insurance solutions backed by local experience.

At the Harry O. Culp Insurance Agency, we’ve been helping people in Grand Ledge and across Michigan protect what matters most for nearly a century. From homes and farms to boats, businesses, and even your family pet, we are here to guide you through the world of insurance with clarity, care, and local insight. As an independent agency, we work with a wide range of top-rated carriers. That means we can match you with the right coverage for your needs, not just a one-size-fits-all plan.

Whether you are shopping for your first policy or just want a second opinion, we are happy to walk you through your options and help you feel confident in your coverage.

Our Services

  • Young person sitting in the driver's seat of a car, smiling at the camera, with a modern building in the background.

    Home & Auto Insurance

    Your home and your car are two of the biggest investments you will make. We help you protect them with insurance that fits your lifestyle. Whether you are bundling both policies or need stand-alone coverage, we offer personalized solutions that include liability, collision, comprehensive coverage, and homeowners protection. We are here to make sure you stay covered wherever life takes you.

  • Boats & Yachts

    Whether you are cruising Michigan’s inland lakes or taking your boat out for weekend fishing trips, we offer insurance designed for your time on the water. Our marine policies include coverage for damage, liability, and towing. We will help you protect your boat or yacht so you can enjoy every trip with peace of mind.

  • Street view of a small-town main street with historic buildings, trees, and parked cars.

    Business Insurance

    Running a business comes with a lot of responsibility. With the right insurance in place, you can protect what you have built and stay focused on your goals. We offer custom business insurance for companies of all sizes, including general liability, commercial property, workers' compensation, and more. Our agents work with local business owners every day and know how to tailor coverage that works.

  • Three people standing in a green cornfield with a blue sky and clouds in the background.

    Crop Insurance

    A strong harvest depends on more than weather and hard work. Crop insurance provides financial protection when nature doesn’t cooperate. We offer Federal Crop Insurance and Crop Hail coverage through reputable providers. Our service includes local support and hands-on help so you can focus on growing while we handle the risk.


  • A young child standing in a field observing a tractor in the distance, with two coolers beside them, under a clear blue sky.

    Farm Insurance

    Farming is more than just work. It is a way of life in Michigan. We offer farm insurance that covers your land, equipment, buildings, and animals. Whether you operate a large commercial farm or a small hobby operation, our team understands the unique challenges you face. We partner with trusted carriers to make sure your farm is protected from season to season.

  • Silhouette of a family and dog at sunset

    Life Insurance

    Life insurance is about protecting the people you love. Whether you are starting a family or planning your legacy, we can help you choose the right policy. We offer term life, whole life, and final expense coverage. Our goal is to make the process easy to understand so you can take the next step with confidence and peace of mind.


  • Stethoscope on financial documents with charts

    Health Insurance

    Health insurance decisions can be complicated. We are here to simplify them. Whether you need individual coverage, Medicare options, or group health plans for your team, we will help you explore trusted carriers and plans that fit your needs and budget. You do not have to navigate it alone. We are ready to help.

  • Child holding a fluffy brown puppy outdoors.

    Pet Insurance

    Pets are part of the family, and they deserve great care. We offer pet insurance that helps cover vet bills, emergency visits, surgeries, prescriptions, and even preventive care. With flexible options and reliable coverage, you can take care of your furry companions without stressing about the cost.


  • Victorian house with yellow siding and decorative elements on the gable.

    Private Client Group & High Value Home Insurance

    If you own a high-value home, a luxury vehicle, or a unique estate, you need more than basic insurance. Our Private Client Group offers tailored coverage for upscale homes and assets. From global travel coverage to protection for fine art, wine collections, yachts, and classic cars, we help you secure the lifestyle you have worked hard to build.