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Allstate Insurance Agent
STEVEN MCCULLOUGH, Kettering, OH

2190 Hewitt Ave

Kettering, OH 45440

Call

(937) 458-5060to quote by phone

Call

(937) 458-5060to quote by phone

Call

(937) 458-5060to quote by phone

Call

(937) 458-5060to quote by phone

Select a product to get a quote

Landlords & Hosts insurance

Motorcycle insurance

ATV insurance

Location Details

Office Hours

Day of the Week	Hours
Mon	8:30 AM - 5:30 PM
Tue	8:30 AM - 5:30 PM
Wed	8:30 AM - 5:30 PM
Thu	8:30 AM - 5:30 PM
Fri	9:00 AM - 5:00 PM
Sat	Closed
Sun	Closed

Available 24/7 at

(937) 458-5060

2190 Hewitt Ave
Kettering, OH 45440
US

Landmarks

We are conveniently located on Hewitt Avenue, across the street from SeaJax restaurant.

Areas Served

Miami Valley Region, Kettering, Dayton, Oakwood, Centerville

Languages

English

STEVEN MCCULLOUGH: Allstate Insurance

Local Allstate Insurance Agent: STEVEN MCCULLOUGH

I’ve gotten to know many local families as an Allstate agent in Kettering. I enjoy being a part of the community, and building local relationships is one of the best parts of my job. I know what life is like here in Kettering – that you choose your car and your home to fit your lifestyle and your budget. I also know how important it is to do the same when it comes to insurance. I look forward to getting to know you and helping you to find the solutions that meet your needs.

Part of what I like best about my job is that I can offer customers options for a wide variety of coverage and services. You can depend on me to help you look at the big picture.

I’m committed to helping Kettering residents assess their immediate and long-term needs and choose options that will help them achieve their goals. When you want to explore options for protecting your home, personal property, or financial future, I’m available to answer your questions. If you’re already a customer, I’m ready to review your coverage so that you can make any necessary adjustments to fit your changing needs. Call me today.

Part of what I like best about my job is that I can offer customers options for a wide variety of coverage and services. You can depend on me to help you look at the big picture.

Products we offer:

Car Insurance Agent in Kettering
Car Insurance Agent in Kettering
Helps protect you and your vehicle if you’re involved in a car accident. At a minimum, you’ll likely need bodily injury liability and property damage liability to meet state auto insurance coverage requirements and help protect your finances if you cause an accident that injures another driver or damages their property. We also offer underinsured motorist coverage to help with your expenses if you’re hit by a driver without insurance. If you’re looking for coverage to help protect your vehicle, you might want to consider collision coverage and comprehensive coverage, which help pay repair costs if your car is damaged in a covered loss. And, additional replacement protection coverages, like new car replacement coverage or loan/lease gap coverage help protect your investment in a brand-new car. I can help you choose a combination of coverages that fulfill state requirements and meet your needs. Give me a call to get a car insurance quote today!
get a quote
Home Insurance Agent in Kettering
Home Insurance Agent in Kettering
Helps provide protection for your house (dwelling) and your family’s liability as well as the things you own in and around your home such as “other structures” (detached garage, fence, etc.), your personal property (furniture, clothing, etc.) against covered perils such as fire, theft, wind/hail and more. Call me today for a homeowners insurance quote and I’ll help you get the protection your home needs and the savings you deserve with our money-saving discounts.
get a quote
Condo Insurance Agent in Kettering
Condo Insurance Agent in Kettering
Helps protect the portion of your condo, co-op or townhome you are responsible for (inside structure, permanent fixtures, cabinets, etc.) with dependable coverage. Condo policies are HO-6 compliant, and cover family liability and personal belongings against covered perils such as fire, theft, vandalism and more. Contact me today for a quote!
get a quote
Renters Insurance Agent in Kettering
Renters Insurance Agent in Kettering
Helps protect your personal belongings inside or outside your apartment from accidents such as, fire, theft, vandalism, and cover family liability. Give me call today to review what type of coverage makes sense for where you live and what you own.
get a quote
Landlords & Hosts Insurance Agent in Kettering
Landlords & Hosts Insurance Agent in Kettering
Helps protect the structure of your rental property, from covered accidents such as fire, wind/hail, vandalism and more. It also offers protection for the liability you might face as an owner. Let’s chat about the right coverage for your additional property!
get a quote
Motorcycle Insurance Agent in Kettering
Motorcycle Insurance Agent in Kettering
Our motorcycle policies include the basic coverage you may need, like liability coverage, which includes passenger liability coverage, and uninsured motorist coverage. You can further customize your motorcycle policy with collision coverage and comprehensive coverage to help protect your bike. And, if you have a customized ride, you can help protect your aftermarket gear with optional equipment coverage. Contact me to learn about motorcycle insurance discounts and to get started with a quote for a policy that fits your needs.
get a quote
Business Insurance Agent in Kettering
Business Insurance Agent in Kettering
Commercial insurance protects your small business, your livelihood. Instead of having one policy for your business personal property/building then another for the liability, a BOP combines both policies into one. In addition to these basic coverages, commerical insurance can be customized with additional protection to help cover more aspects of your business. I can help you tailor a policy to fit your small business’s needs. As a small business owner myself, I understand how important it is to protect what you’ve worked so hard to build. Call me for a free review of your current business policy and to learn more about insurance solutions to help protect you, your business, and your employees.
Life Insurance Agent in Kettering
Life Insurance Agent in Kettering
Protect the life you want, for those that matter most. A life insurance policy can help provide financial security for your loved ones by covering expenses like the mortgage, college tuition, and other everyday living costs. Call me today to learn about the different types of coverage Allstate offers.
ATV Insurance Agent in Kettering
ATV Insurance Agent in Kettering
Help protect yourself and your all-terrain vehicle against the unexpected. We offer bodily injury liability coverage and property damage liability coverage on your ATV insurance policy. If you injure someone else or damage their property while driving your ATV, liability coverage helps pay the other person’s medical or repair bills. If your ATV is damaged in a crash, collision coverage may help. Collision coverage for your ATV helps pay for repairs if you hit another object, such as a fence or a tree. Finally, you may want to consider comprehensive coverage for your ATV in case it’s stolen, vandalized or damaged by hail or fire. Give me a call to get a quote on an ATV insurance policy today!
get a quote
Boat Insurance Agent in Kettering
Boat Insurance Agent in Kettering
Helps cover your boat on and off the water. Watercraft liability coverage helps pay for another person’s expenses if you injure them or damage their property with your boat. If you’re injured in a boating accident, watercraft medical payments coverage helps pay for your medical bills. Need to repair damage to your boat after an accident? Property coverage for your boat helps cover a crash with another boat or object (like a pier or buoy). It also helps cover theft, vandalism or fire. Help protect your boat against these covered perils during the on- and off-season. We also offer additional coverage for things like your boat trailer, fishing equipment and even towing or fuel delivery when you’re stranded. Need a boat insurance quote? Give me a call today!

30+

Years of
Experience

10+

Years in the
Community

Allstate Insurance Agent Reviews

don rushlow

Sep. 11, 2026

Agent Response

Thank you, Don, for your feedback and for being a

Thank you, Don, for your feedback and for being a valued customer. We're glad to hear about your positive experience with us. If you have any further questions or need assistance, feel free to reach out to me smccullough4@allstate.com. Your trust in our services is greatly appreciated. - Steve McCullough

susan sorice

Sep. 10, 2026

I had a very nice experience with Allstate. Both my agents Andy Harmon and Steven McCullough has always been so helpful.

I had a very nice experience with Allstate. Both my agents Andy Harmon and Steven McCullough has always been so helpful. I have been with Allstate for a very long time but I was talking to a friend of mine and somehow we started talking about insurance. That is when I reached out to my current insurance and actually ended up getting a much better price as well as more coverage.
I am sorry to leave but just know that I always had a very good experience with Allstate.
Thank you very much for your help and service
Sue Sorice

Agent Response

Hi Sue, Thank you for being a long-time customer

Hi Sue,

Thank you for being a long-time customer and for sharing your positive experiences with Andy Harmon and Steven McCullough. We're sorry to see you go, but we truly appreciate your kind words and the trust you've placed in us over the years. If you ever have any questions or need assistance in the future, please don't hesitate to reach out. Wishing you all the best.

Warm regards,
Steven McCullough: Allstate Insurance

virgil caserta

Sep. 6, 2026

I feel I am being overcharged, no accidents, no tickets and yet my rate increases. Considering moving onto a new insuran

I feel I am being overcharged, no accidents, no tickets and yet my rate increases. Considering moving onto a new insurance company for a more reasoñable rate.

Agent Response

Hi Virgil, I understand your concerns about rate i

Hi Virgil, I understand your concerns about rate increases despite having no accidents or tickets. We value your long-term relationship with us and would like to discuss this further. Please reach out to our office at 937-458-5060 so we can assist you. - Steve McCullough

sara mason

Sep. 5, 2026

My policy was another agent who did great. You acquired my policy somehow and have not provided any service for me.

Agent Response

Hi Sara, thank you for sharing your experience. We

Hi Sara, thank you for sharing your experience. We're glad to hear you had a positive experience with your previous agent. If you have any concerns or ever need assistance, please reach out to smccullough4@allstate.com. We're here to help! - Steve McCullough

michael priaulx

Aug. 24, 2026

Have not had any recent interactions

Agent Response

Michael, thank you for your feedback and for being

Michael, thank you for your feedback and for being a valued customer. We're here whenever you need us, and we truly appreciate your trust in our services. If you have any questions or need assistance, feel free to reach out. - Steve McCullough

david lacy

Aug. 22, 2026

Kellie always go out of her way to help me to keep up with my policy's and to answer any questions.

Agent Response

Hi David, thank you for your kind words! I'm very

Hi David, thank you for your kind words! I'm very happy to hear that Kelly has been so helpful with your policies and questions. Customer satisfaction is our #1 goal. We appreciate your trust in us and look forward to continuing to serve you. - Steve McCullough

estella holcombe

Aug. 21, 2026

Agent Response

Hi Estella, thank you for your wonderful feedback!

Hi Estella, thank you for your wonderful feedback! It truly pleases me to know you had a positive experience with us! Your trust and satisfaction are our top priorities. If there is ever anything I can assist with, please feel free to reach out. - Steve McCullough

johnny tackett

Aug. 19, 2026

Agent Response

Thank you, Johnny, for your positive feedback and

Thank you, Johnny, for your positive feedback and perfect rating! I'm very happy to hear that you're satisfied with our services. Your trust and support mean a lot to us. If you ever need assistance, please feel free to reach out. - Steve McCullough

cheri mcgee

Aug. 19, 2026

IT WAS AWFUL!!!

Agent Response

Hi Cheri, I'm sorry to hear about your experience.

Hi Cheri, I'm sorry to hear about your experience. Your feedback is EXTREMELY important to us, and I would like to address your concerns. Please reach out to me personally at smccullough4@allstate.com so I can assist you further. Thank you for bringing this to my attention. - Steve McCullough

willard lyons

Aug. 16, 2026

Agent Response

Willard, thank you for taking the time to leave yo

Willard, thank you for taking the time to leave your feedback and for being a valued customer. We're pleased to hear about your positive experience with our agency. If you have any further questions or need assistance, please don't hesitate to reach out. Your trust in us is greatly appreciated. - Steven McCullough

jerry smith

Aug. 15, 2026

Agent Response

Thank you, Jerry, for your 5-Star rating and for b

Thank you, Jerry, for your 5-Star rating and for being a valued customer. We're thrilled to hear that you're satisfied with our services. At The McCullough Agency we strive to provide reliable and trustworthy support. If you ever need assistance, please feel free to reach out. - Steven McCullough

chris koerner

Aug. 2, 2026

All my questions were answered quickly and easily

Agent Response

Chris,Thanks for your positive feedback! I'm glad

Chris,Thanks for your positive feedback! I'm glad to hear that your questions were answered quickly and easily. Glad we met up to your expectations. We take pride in providing efficient and helpful service. If you ever need further assistance, feel free to reach out. - Steve McCullough

joan boddie

Aug. 1, 2026

I have never meet with anyone from your company. I was transferred your company.

Agent Response

Welcome to The McCullough Agency, Joan; we're glad

Welcome to The McCullough Agency, Joan; we're glad to have you with us! If you're ever in the Kettering area, please stop in and say hello. We would love to meet you. If you have any questions or need assistance, please feel free to reach out. We're here to help! - Steve McCullough and team

debra toppins

Jul. 31, 2026

Agent Response

Thank you for your feedback, Debra. We appreciate

Thank you for your feedback, Debra. We appreciate your input and are committed to improving our services. We'd love to know how we can improve. If you have any specific concerns, please feel free to reach out to smccullough4@allstate.com. Customer satisfaction is our #1 priority! - Steve McCullough

douglas ramm

Jul. 30, 2026

Not happy

Agent Response

Hi Douglas, I'm truly sorry about the experience y

Hi Douglas, I'm truly sorry about the experience you had with one of Allstate's internal departments. At The McCullough Agency, customer satisfaction is very important to us. We regret the frustration you felt in this case. Please don’t hesitate to reach out to me at smccullough4@allstate.com if there is anything else our agency can do for you, or if you would like to discuss this further. - Steven McCullough

frances perry

Jul. 28, 2026

👍 great

Agent Response

Frances, thank you for taking the time to leave yo

Frances, thank you for taking the time to leave your positive feedback! Your satisfaction is our priority! If you ever need assistance or have a simple question, please reach out. - Steve McCullough

timothy sherrill

Jul. 19, 2026

Agent Response

Thank you for your positive feedback, Timothy! We'

Thank you for your positive feedback, Timothy! We're happy to hear that you're satisfied with our services. As a valued customer, your trust and support mean a lot to us. If you ever need assistance, feel free to reach out! - Steve McCullough

timothy cahill

Jul. 19, 2026

They always were quick to respone to any questions I may have.

Agent Response

Timothy, Thank you for your feedback. We're glad t

Timothy, Thank you for your feedback. We're glad to hear that our team has been responsive to your questions. Your satisfaction is important to us, and we appreciate your support. Please reach out to us anytime if you have any questions or need assistance. - Steve McCullough

jennifer gregory

Jul. 15, 2026

Agent Response

Hi Jennifer, thank you for sharing your feedback.

Hi Jennifer, thank you for sharing your feedback. It seems that you did not have a great experience by your rating. I'm sorry to hear to hear that. I truly value your input and would like to address your concerns and work with you to fix any issues. Please reach out to me at smccullough4@allstate.com so I can assist you further. Your satisfaction is important to all of us at The McCullough Agency. - Steve McCullough

mitchell liberman

Jul. 10, 2026

Agent Response

Mitchell, we're thrilled to know you're satisfied

Mitchell, we're thrilled to know you're satisfied with our services. Thank you so much for taking the time to give us your feedback! Your trust and support as a valued customer mean a lot to us. If you ever need assistance, please reach out. - Steve McCullough

Allstate Online Review Policy

Frequently asked questions

What are your agency hours?

Monday: 8:30 AM - 5:30 PM
Tuesday: 8:30 AM - 5:30 PM
Wednesday: 8:30 AM - 5:30 PM
Thursday: 8:30 AM - 5:30 PM
Friday: 9:00 AM - 5:00 PM
Saturday: Closed
Sunday: Closed

Are you open on weekends?

Saturday: Closed
Sunday: Closed

Can I text your agency with questions?

No, we do not have text messaging services.

What languages do you speak?

We have staff members available who speak the following languages: English

Do you have more than one location?

No, this is our only location.

STEVEN MCCULLOUGH is insurance licensed in the state(s) of Ohio. If you do not reside in the state(s) of Ohio, please go to the Find an Agent section on allstate.com to search for another Allstate Agent or Personal Financial Representative.

Based on coverages selected. Subject to terms, conditions, availability & qualifications.

This material is intended for educational purposes only. Auto and homeowners insurance, and other property and casualty insurance products, are available from Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company, Allstate North American Insurance Co. and Allstate Fire and Casualty Insurance Company (Home Offices: Northbrook, IL); Allstate New Jersey Insurance Company and Allstate New Jersey Property and Casualty Insurance Company (Home Offices: Bridgewater, NJ); and Allstate County Mutual Insurance Company and Allstate Texas Lloyd's (Home Offices: Irving, TX). This life insurance information is provided for general consumer educational purposes and is not intended to provide legal, tax or investment advice. Life insurance also offered and issued by third party companies not affiliated with Allstate. Each company is solely responsible for the financial obligations accruing under the products it issues. Product guarantees are backed by the financial strength and claims-paying ability of the issuing company.

you're in good hands^®