Josh Culp
Powered by Meridian Capstone Ins
Lic #2270848
Tennessee, Ohio, Kentucky, North Carolina, South Carolina, & Indiana
GET TO KNOW US
Provide attentive customer service throughout the southeast. Established in 2008, the agency is focused on tailoring policies to your needs. We work with a wide variety of insurance carriers in order to provide the best, most affordable insurance to as many customers as possible.
Choice
At our insurance agency, we partner with top-rated insurers to offer comprehensive coverage tailored to your unique needs. Whether you're a business owner seeking commercial insurance or an individual looking for personal policies, our extensive network provides unparalleled options.
Experience
With more than a decade of experience, Our expert Team guides you to make informed decisions for your Personal or Business Insurance needs.
Team Work
Experience the difference of working with an insurance provider that truly cares about your well-being and peace of mind. Contact us today for unparalleled customer service and comprehensive insurance plans.
Customer Reviews
Top Insurance Agent in Tennessee
Looking for quotes on affordable insurance in Tennessee? Skip the hassle of calling around and use our chat tool. Get free, fast quotes - not waiting on hold or worrying about business hours. Our chat feature makes getting quotes easy. Why waste time when our locally-focused chat can do the hard work for you? Request quotes now from top-rated Tennessee providers and start saving today!
Auto Insurance
Homeowners Insurance
Landlord Insurance
Boat Insurance
Business Insurance
Are you searching for reliable insurance coverage in Tennessee? Look no further than Meridian Insurance. We are a trusted insurance agency dedicated to providing families and individuals across the Volunteer State with high-quality insurance solutions tailored to their unique needs.At Meridian Insurance, we understand that life's milestones often require adjustments to your insurance coverage. Whether you're a recent college graduate embarking on a new career, a newlywed couple starting a family, or a parent preparing to send a child off to college, our team of knowledgeable agents will work closely with you to find the perfect insurance policy.
As a leading insurance provider in Tennessee, we specialize in a wide range of coverage options, including:
- Auto Insurance
- Homeowners Insurance
- Landlord Insurance
- Renters Insurance
- Business Insurance
With years of experience in the
Contact Meridian Insurance today for a quote and discover how we can safeguard your future with tailored insurance policies. Experience the difference of working with a trusted insurance agency that puts your needs first.
Auto Insurance
Choice
Affordable Auto Insurance in Knoxville, TN - Get Covered Today.Driving without car insurance in Knoxville is a risk you can't afford to take. At Meridian Insurance, we understand that every Knoxvillian has unique auto insurance needs. That's why we offer flexible and affordable coverage options tailored to fit your lifestyle and budget.Our extended office hours mean you can speak to a live agent whenever it's convenient for you – whether you need to ask questions about your policy, file a claim, or get a new quote. We work around your schedule to provide the exceptional customer service Knoxville residents deserve.
States
Tennessee, Ohio, Kentucky, North Carolina, South Carolina, Indiana, and more
Factors Considered in Rating
At our Knoxville car insurance agency, we understand that every driver's needs are unique. That's why our experienced agents take a personalized approach, crafting tailor-made policies based on your specific circumstances.- Your weekly driving mileage
- Eligibility for safe driver discounts
- Eligibility for good student
discounts
- Number of passengers you typically carry
- Whether you use your vehicle for business purposes
- Your vehicle's age, make, model, and condition
- Discounts for insuring multiple vehicles
- Bundling options for multiple policiesBy partnering with top insurance carriers in Knoxville, TN, we can shop around and compare rates to find the best value for the coverage you require. Get a free quote today and experience the difference of personalized car insurance tailored to your needs.
Types of Auto Coverage
Our experienced insurance agents can write a policy that fits your life. Your car insurance may cover:- Liability
- Personal Injury
- Comprehensive
- Collision
- Towing
- Roadside Assistance
Homeowners Insurance
Home Insurance for You
Protecting your home and assets requires a homeowners insurance policy tailored to your unique needs. At Meridian Insurance, we've specialized in creating customized homeowners insurance policies since 2008. Our knowledgeable agents work with multiple top insurance carriers to find you the best coverage at the most affordable rates.
Why Choose Custom Homeowners Insurance?
The risks faced by homeowners vary significantly depending on factors like your home's age, construction type, location, and more. A one-size-fits-all policy can leave gaps in coverage and put your most valuable assets at risk. Our agents will conduct a thorough assessment of your situation to understand your exact coverage requirements before building a customized homeowners insurance policy.
Get a Customized Homeowners Quote
Meridian Insurance has licensed agents ready to craft the perfect homeowners insurance policy for your unique needs. We serve homeowners in multiple states including [list key states]. Contact us today to request a free, no-obligation quote on homeowners insurance personalized for your home and family.
States
Tennessee, Ohio, Kentucky, North Carolina, South Carolina, Indiana, and more
Available Coverage
At Culp Insurance Group, our homeowner's policies provide complete protection. Coverage includes: dwelling/property coverage for repairs after events like fire or storms; personal liability for injuries/damages to others; medical coverage for guest injuries at home; living expenses if you must temporarily relocate; replacement of lost/damaged belongings; and specialized coverage for high-value items like jewelry or antiques. Expertly tailored policies safeguard your investment. Contact us.Our agents will work closely with you to understand your unique needs and risks. We pride ourselves on exceptional customer service and competitive rates. With Culp Insurance Group, you can have confidence that your most valuable assets are fully protected.
At Culp Insurance Group, we understand that your home is more than just a place to live – it's an investment that needs to be safeguarded against various risks. That's why our expert agents offer comprehensive homeowner's insurance policies designed to provide you with peace of mind and financial protection.Our homeowners insurance policies cover a wide range of potential threats, including:
Dwelling and Property Coverage
In the event of a covered incident such as fire, storm damage, or theft, our dwelling and property coverage ensures that your home and its contents are protected. We'll pay for the necessary repairs or rebuilding costs, helping you restore your property to its previous condition.
Personal Liability Protection
Accidents can happen anywhere, and our personal liability coverage has you covered. Whether you're at home or away, if you're held responsible for causing injury or damage to another person or their property, our policy will help cover the associated costs.
Guest Medical Coverage
If a guest sustains an injury while visiting your home, our medical coverage will help pay for their medical expenses, ensuring they receive the care they need without placing an unnecessary financial burden on you.
Additional Living Expenses
In the unfortunate event that your home becomes uninhabitable due to a covered disaster or loss, our living expense coverage will provide you with the funds necessary to maintain your standard of living until your home is repaired or rebuilt.
Personal Property Insurance
Your personal belongings are valuable, and our personal property insurance ensures that they are protected. If your items are lost or destroyed due to a covered event, we'll pay for their replacement, helping you rebuild your life after a loss.
Scheduled Personal Property Coverage
For high-value items such as antiques, jewelry, sporting equipment, or musical instruments, we offer scheduled personal property coverage. This specialized protection ensures that your most prized possessions are adequately insured against loss, theft, or damage.
Tailored Solutions
At Culp Insurance Group, we are committed to providing our customers with comprehensive and tailored homeowner's insurance solutions. Contact us today to learn more about our coverage options and find the right policy to safeguard your home and belongings.
About
Experience
With over a decade of experience in the insurance industry, I bring a wealth of knowledge and expertise to the table. After starting my career with Travelers in 2014, I now have the opportunity to work with multiple carriers, allowing me to provide tailored solutions that best fit your unique needs.
Commitment
I'm committed to helping you find the perfect insurance coverage that works with your budget. I take the time to understand your specific circumstances and carefully tailor the options available, ensuring you receive the most comprehensive protection at a competitive rate.If you're looking to review your current policies or explore new coverage options, I invite you to get in touch. Together, we can work together to find the ideal insurance solution that provides you with the peace of mind you deserve.
Outside of the office
I'm an avid enthusiast of music, woodworking, photography, and golf. These hobbies not only bring me joy but also foster a well-rounded perspective, enabling me to approach your insurance needs with a fresh and creative mindset.
Family
My wife Nikki and I were married in Jan of 2021 and are very grateful for your entrusting me over the years.
Josh Culp Insurance Group
Josh Culp Insurance Group
More Coming Soon!!!
Recommended Hardware
Josh Culp Insurance Group
Quote Request
Case Study: Protect Your Vehicle and Finances with Auto Insurance
The Client's Background
John , a busy professional living in Knoxville, TN with heavy traffic and high accident rates. Owning a car in such a congested environment exposes him to various risks, including collisions, theft, vandalism, and natural disasters – all potential causes of substantial financial burdens.
The Unfortunate Incident
One day, John's parked car fell victim to a reckless driver, sustaining severe damage to the body, engine, and other critical components. Repairing the extensive damage would cost a fortune, leaving John overwhelmed by the prospect of a significant financial strain.
The Solution: Comprehensive Auto Insurance
Fortunately, John had the foresight to invest in a comprehensive auto insurance policy from a reputable provider. His coverage proved invaluable, as it included:- Repair costs for all damages resulting from the accident
- Coverage for alternative transportation during the repair periodJohn's reasonable annual premium ensured his peace of mind and financial security. The insurance company processed his claim and facilitated the repair process efficiently, minimizing any inconvenience.
The Indispensable Safeguard
John's experience serves as a critical example of the role auto insurance plays in protecting us against unexpected events and financial liabilities associated with owner a vehicle. By purchasing the appropriate coverage, we can:- Protect their valuable assets
- Mitigate financial risks
- Ensure continued mobility without bearing the huge repair costs
Conclusion
Auto insurance acts as a vital safety net, emphasizing the importance of purchasing comprehensive coverage to navigate unforeseen challenges on the road.Don't leave your vehicle and finances vulnerable. Invest in top-rated auto insurance today and experience the same peace of mind and protection as John.
Case Study: The Value of Home and Renters Insurance
Introduction
Home and renters insurance play a crucial role in protecting us from financial losses due to unforeseen events. This case study highlights the benefits of having adequate insurance coverage.
Background Information
Home insurance provides coverage for a homeowner's property and liability, while renters insurance offers similar protection for tenants renting a property.
Case Study Scenario
In this case, we follow the Smith family, who recently purchased a new home and opted for comprehensive home insurance coverage. Additionally, their friends, the Johnsons, are renting an apartment and have renters insurance.
Challenges Faced
One stormy night, a tree fell on the Smiths' roof, causing significant damage to their home. Meanwhile at the Johnsons’ apartment, a kitchen fire broke out due to faulty wiring.
Role of Home and Renters Insurance
The Smiths' home insurance policy covered the cost of repairing the roof and restoring their property. The Johnsons' renters insurance helped them replace damaged belongings and covered temporary housing while their apartment was being repaired.
Financial Impact
Without insurance, the Smiths would have faced substantial repair costs out of pocket. Similarly, the Johnsons would have struggled to replace their belongings and find alternative housing without renters insurance.
Lessons Learned
Both families realized the importance of having home or renters insurance to protect their assets and finances in unexpected situations. They now understand the value of being adequately insured.
Conclusion
This case study illustrates how home and renters insurance provide essential protection against unforeseen events, emphasizing the peace of mind and financial security they offer to homeowners and renters alike. It serves as a reminder for individuals to prioritize securing appropriate insurance coverage for their homes or rented properties.
What Home Insurance Doesn't Cover: Common Exclusions
Home insurance protects your house and belongings from many risks. However, standard homeowners policies exclude certain perils or situations. To get coverage for these excluded events, you may need to add an endorsement or buy a separate insurance policy. Here are some common home insurance exclusions and how to get coverage:
Flood Damage
Most homeowners policies don't cover flood damage. If you live in a high-risk flood zone, your mortgage lender may require you to buy a separate flood insurance policy through the National Flood Insurance Program or a private insurer.
Earthquakes and Earth Movement
Standard home insurance excludes damage from earthquakes, landslides, and mudflows. If you live in an earthquake-prone area like California, consider adding earthquake insurance through a state program or private company.
Home Maintenance and Repairs
Homeowners insurance doesn't cover maintenance costs like repairing appliances, plumbing, or electrical systems. Set aside money for ongoing home maintenance or consider a home warranty plan.
Pest Infestations
Policies exclude damage from pests like termites, bedbugs, and rodents. Pest control companies may offer warranties after treatment.
Home-Based Businesses
Standard home insurance has limited coverage for home-based business equipment and liabilities. Add an endorsement or separate business policy for proper protection.
Mold
Mold damage is usually excluded unless it results from a covered peril like a leaky pipe. Some insurers offer mold endorsements.
High-Value Items
Policies cap coverage for jewelry, art, and collectibles. Add an endorsement or schedule these expensive possessions separately for full coverage.
Check with Your Agent
Check your homeowners policy for exclusions and speak to your insurance agent about getting proper coverage for your needs.