By Deborah Bostock-Kelley

As the owner of Joseph Ledo State Farm Insurance Agency, Joseph Ledo represents more than the State Farm agency name. Joseph is proud to continue a 35-year legacy left behind by his father-in-law, Jeff Ralph, upon his retirement.

A third-generation Tampa native living in Carrollwood, Joseph and his team strive to help homeowners and automobile owners truly understand their insurance policies.  

“We insure more cars and homes than any other insurer in the U.S. Our mission at State Farm is to help people manage the risk of everyday life, recover from the unexpected, and realize their dreams.”

State Farm is a multi-product company offering homeowners, auto (personal, commercial, and fleet), life insurance, and financial products such as virtual banking services.  “We offer a multiple-line discount for home and auto bundled together, as well as a multi-car discount.”

Joseph and his team have found that many of his new customers, that have brought their auto and homeowner’s policies to them to review, did not truly understand what they had purchased and the possible repercussions of not being fully covered. “Unfortunately, for some, insurance is a commodity, and people aren’t made to realize the

financial risk in simply shopping for the cheapest plan.”  Either in person or over the phone, Joseph and his team pride themselves in fully reviewing the individual needs of the customer and explaining to them their available coverage options.  “I believe our success has been due to the fact that I have surrounded myself with some of the most knowledgeable and professional team members in the industry.”

“Every insurance office is not created equally. The experience and education we provide, the explanation of why you need particular limits, the business knowledge, and the acumen – that is where we differ.”

While walk-ins are welcome and appointments are available for after-hours and Saturdays, Joseph will also make house calls for added customer convenience.  “We really try to provide exceptional customer experience and work with our customers’ schedules,” he said.

“If your insurance agent hasn’t taken the time to explain your policy and review your coverage, I encourage you to come into our office to let us review your policy and explain the coverage and limits to you,”  Joseph stressed the importance of educating his customers, always giving the why.

When shopping for different types of insurance, the variations and options can be overwhelming, but Joseph and his team take time to get to know their customers, learn about their lifestyles, and help them

make the best decision for their family’s budget and their financial future.

As a leader in the insurance industry, Joseph and his team have the ability to provide the financial backing and stability of a large company, but also the warmth and personalized attention – quality

customer service that so many other call center styled companies are missing. 

Joseph takes pride in his community involvement in choosing organizations that are impactful and meaningful to

his agency.  “We support local non-profit organizations such as the Parkinson’s Foundation Tampa Bay, Frameworks of Tampa Bay, Inc., and Metropolitan Ministries to name a few.” 

“What we, at Joseph Ledo State Farm Insurance Agency enjoy best, is helping our customers meet their needs.  We offer stellar personal customer service.  This is proven by a large number of positive Google reviews given to us by our customers.  When you call our office during business hours, your call will be answered by one of our team members. That’s what separates the good agencies from the great agencies – we take the time to educate, empower and really help our customers understand their policies.”

For more information visit or contact Joseph and his team at 813.969.3331 or visit his office at 11014 North Dale Mabry Blvd. Suite 501 (Next to Cheddars and Outback) to get the best coverage to protect you and your family.