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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!
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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.
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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!
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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.
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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.
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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

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

calvert smith

Jul. 10, 2026

Feel very good.

Agent Response

Calvert, thanks for your positive feedback! It's g

Calvert, thanks for your positive feedback! It's great to know that you're feeling good about your experience with us. Our customers' satisfaction is our top priority. Let us know if there is every anything we can do. - Steve McCullough

tony mellott

Jul. 5, 2026

Agent Response

Thank you, Tony, for your positive feedback and fo

Thank you, Tony, for your positive feedback and for being a valued customer. We're so glad to hear that you're satisfied with our services, that is what we work towards. Your trust means a lot to us! - Steve McCullough

christopher katros

Jul. 2, 2026

Steve understands the needs of his clients and strives to get those needs met. Steve, Kelly and the rest of the staff wo

Steve understands the needs of his clients and strives to get those needs met. Steve, Kelly and the rest of the staff work hard and smart to keep clients happy, satisfied and informed.

Agent Response

Christopher, thank you for taking a moment to leav

Christopher, thank you for taking a moment to leave such a kind review and for recognizing the efforts of Steve, Kelly, and our team. We're thrilled to hear that you feel well-informed and satisfied with our services. Your feedback motivates us to continue striving for excellence! - Steve McCullough

theresa bennett

Jul. 1, 2026

Very pleasant and helpful

Agent Response

Thank you, Theresa, for your kind words and the 5-

Thank you, Theresa, for your kind words and the 5-star rating! We're so pleased that you found our service pleasant and helpful. Your satisfaction is our priority, and we look forward to continuing to meet your insurance needs. - Steve McCullough

deborah lovelace

Jun. 26, 2026

Anytime I have had to contact "my" team at Allstate, they have always provided quick, friendly, and professional service

Anytime I have had to contact "my" team at Allstate, they have always provided quick, friendly, and professional service. I highly recommend them.

Agent Response

Hi Deborah, thank you for your kind words and for

Hi Deborah, thank you for your kind words and for being a valued customer. We're thrilled to hear that our team has consistently provided you with quick, friendly, and professional service. Your recommendation means a lot to us!

Steve

gladys powers

Jun. 25, 2026

Agent Response

Thank you, Gladys, for your feedback! We're very p

Thank you, Gladys, for your feedback! We're very please to know you're happy with our services. As a valued customer, your trust means a lot to us. If you ever need assistance, feel free to reach out.

Steve

claudia santiago-tucker

Jun. 22, 2026

Agent Response

Thank you, Claudia, for your positive feedback! We

Thank you, Claudia, for your positive feedback! We're thrilled to know you're satisfied with our service. As a valued customer, your trust means a lot to us. If you ever need assistance, feel free to reach out.

Steve

kenneth kothman

Jun. 19, 2026

Not good, I would not recommend Allstate to anybody

Agent Response

Hi Kenneth, I'm sorry to hear about your experienc

Hi Kenneth, I'm sorry to hear about your experience. Your feedback is important to us, and we want to address your concerns. Please reach out to smccullough4@allstate.com so we can assist you further. Thank you for bringing this to our attention.

nora m wash

Jun. 15, 2026

Agent Response

Nora, thanks so much for your wonderful feedback!

Nora, thanks so much for your wonderful feedback! We're happy to hear that you had a positive experience with us. Our customers' trust and satisfaction mean a lot, and we're here to continue providing reliable service. If you ever need assistance, feel free to reach out. - Steve McCullough

vicki kreitzer

Jun. 15, 2026

Don't have anything bad about this company. Thank you

Agent Response

Thank you, Vicki, for your 5-star review! It's goo

Thank you, Vicki, for your 5-star review! It's good to know that you've had a great experience with us and we appreciate you taking the time to let us know! Your satisfaction is our priority, and we appreciate your trust in our services. - Steve McCullough

patricia caskey

Jun. 10, 2026

Agent Response

Thank you so much, Patricia, for your 5-star revie

Thank you so much, Patricia, for your 5-star review! We appreciate that you took the time to rate us. That lets us know that you had a positive experience with us at The McCullough Agency, which is what we strive for! Your trust and satisfaction mean everything. - 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^®