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Ledford Agency LLC

1910 N Big Spring St
Midland, TX 79705

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Tag: Midland TX

How to Avoid Home Damage When Decorating Your Home for the Holidays

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During the holiday season, you may want to make your home merry and bright. Unfortunately, as you are decorating your home, you can make mistakes that can be damaging to your home. At Ledford Agency LLC, serving the greater Midland, TX area, we want to help you keep your home safe in any way we can.

Here are a few ways you can avoid home damage as you go about decorating your home for the holidays:

Avoid Using Nails to Hang Christmas Lights

One of the most common mistakes that people make when they are decorating their home for the holidays is to hang Christmas lights from their gutters or roofs with nails. Nails can damage both your gutters and roof, so they should never be used. Instead, use light clips to hang lights. 

Don’t Overload Your Electric System

Another way that you can avoid home damage this holiday season is to avoid overloading your electrical system. If you plan on making a large display, reach out to an electrician to add another circuit to your breaker box to accommodate all of the lights and blow-ups you plan to use. 

Cover Your Floor to Protect It From the Christmas Tree

Lastly, always cover your floor to help protect it from the Christmas tree. Water from a Christmas tree can damage the carpet or hardwood floor. The base of a fake tree can scratch flooring. Protecting your floor helps to ensure your tree does not leave behind damage after the holidays are over. 

Give Us A Call

At Ledford Agency LLC, serving the greater Midland, TX region, we are committed to helping you care for and protect your home. Having a great home insurance policy is another way that you can care for and protect your home. If you have questions about home insurance or are looking for a new policy, let us help you. Call us today to learn more. 

What to Do After an Auto Accident

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Car accidents, whether minor or serious, are a frequent occurrence. That’s why we get auto insurance to reduce the financial burdens that follow. But do you know the steps you are supposed to take after an auto accident? Ledford Agency LLC, serving the residents of Midland, TX, and surrounding areas, takes you through the steps to follow after a car accident.

What to Do After an Auto Accident

Check for Injuries

Safety should come first. Check if you are injured, and if you have passengers, check on them too. If you are severely hurt, try not to move and call 911. Emergency services will come and administer first aid, then take you to the hospital if need be.

Move to a Safe Location

If you can, move to the sidewalk or the side of the road. Remaining in the middle of the road puts you at risk because other cars will be coming, and a driver could hit you.

Call the Cops

Whether it is a major collision or a simple fender-bender, call the cops. In Texas, you are legally required to inform the police, especially if the accident resulted in severe injuries, property damage, or death. If, for whatever reason, cops can’t get you, go to the police station and report the accident. When filing a claim, you will need that police report. As you wait for the police, you can exchange information with the other driver, such as insurance cards and license information.

Contact Your Insurer

Inform your insurance company of the accident. They will let you know how to start the claim process and what it entails.

Get Auto Insurance Coverage Today

A car accident can leave a driver confused and worried. Here at Ledford Agency LLC in Midland, TX, we understand how auto insurance works and are ready to help. Give us a call and let us handle all your auto insurance needs smoothly and professionally.

Do You Need Commercial Insurance for Your Business?

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When it comes to business, there are a lot of things that you need to think about if you want to remain ahead of the game and keep your company afloat. One of the most important things you need is to get commercial insurance for your business. This might seem like an unnecessary expense, but if something happens to your business, you will be very glad that you have it.

Consult with Ledford Agency LLC in Midland, TX for expert insurance advice. 

Here are some reasons you need to get commercial insurance for your business:

1. To Protect Your Business From Liability

If something happens and someone gets hurt on your property or because of something that your business does, you could be held liable. This means that you could end up having to pay a lot of money in damages. If you have commercial insurance, your insurance company will cover these damages up to your policy’s limit.

2. To Protect Your Business Property

One of the most important assets for any business is its property. This includes the building that your business is located in, as well as any equipment or inventory that you have. If this property is damaged or destroyed, it can be very expensive to replace. Commercial insurance will help to ensure that you can replace this property if it is ever damaged or destroyed.

3. To Comply With The Law

In many states and municipalities, it is actually required by law that businesses have certain types of commercial insurance. For example, most businesses are required to have workers’ compensation insurance. You may also be required to have liability insurance if your business is considered to be high risk.

Contact Us Today

These are just a few of the reasons why you need to make sure that your business has commercial insurance. Ledford Agency LLC in Midland, TX can help you find the right policy for your business. Give us a call today to learn more about our services.

Is Home Insurance Important for your Texas Home?

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You worked hard to find the perfect home for you and your family and made a large investment in your property so you will want to protect it with an adequate amount of home insurance. The insurance agents at Ledford Agency LLC in Midland, TX want to explain the importance of having a home insurance policy in place.

If you were loaned the money to purchase your home by a mortgage company, bank, or another lender, you will be required to have a home insurance policy in place. Even if your home is paid off, though, it is imperative to have a home insurance policy in place to cover your property in the event that some horrible incident occurs. It’s better to be prepared ahead of time, just in case.

Coverage Options for Home Insurance

It is important to have home insurance to cover not only the structure of your home as well as outbuildings and other structures on your property but to replace your personal belongings, furniture, and appliances if something happens to them. If your home has been damaged or demolished by an act of vandalism, a natural disaster, or a fire, your home insurance will assist you in repairing or replacing any items, including your house itself. A home insurance policy will also help you cover any items that are stolen if your house is burglarized or a theft incident occurs.

Contact Us

Contact the home insurance agents at Ledford Agency LLC in Midland, TX today to get your home insurance policy started and enjoy the sense of peace it brings you in knowing your home is protected.

What is the benefit of getting an auto insurance plan in Texas?

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In the Midland, TX area, owning a car is quite common and practically a necessity for many people. If you are going to buy a car in this area, you also need to choose an insurance plan for it. There are a lot of benefits that come when you do pick an auto policy to cover yourself and your vehicle. 

Auto Insurance Benefits: What You Need To Know

Protect Your Car

A key reason to have an auto insurance plan when in this part of Texas is so you can protect your car. Your vehicle is likely to be one of your most valuable assets. Because of this, you will want to ensure that you have proper support in place to protect it. If you invest in an auto insurance plan, it will give you the support needed to repair or replace the vehicle if you incur a loss due to theft or damage.

Liability Risk Protection

Drivers in Texas need to be aware of the liability risk that they take on whenever they get behind the wheel. Even a careful driver will have to cover damage if they cause any type of accident. As damage can be significant, having insurance is quite helpful. This coverage will ensure you have support to pay for whatever damage is caused. Having this insurance is also a legal obligation. 

Contact Us Today

Anyone living in the Midland, TX area will want to ensure that they are getting the right insurance support. As you are looking to protect yourself and your car here, calling Ledford Agency LLC is a good decision. The professionals with Ledford Agency LLC know the value of this coverage and can ensure you choose a plan that will provide adequate support. 

Commercial Insurance Options for Online-based Businesses

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If you have an e-business, the risks might be slightly different from a brick-and-mortar business, but you still need business insurance. If you are wondering what kind of coverage you need for your e-commerce, you are in the right place because Ledford Agency LLC in Midland, TX is your trusted partner in all business insurance matters.

Here are the coverage options you need for your online-based business:

Cyber liability insurance

This coverage protects your business when there is a data breach. This coverage pays for notification costs, PR, and legal expenses when sued. Cyber liability coverage shouldn’t be confused with insurance for your computers and IT infrastructure. You need commercial property insurance for that.

General liability insurance

This coverage protects your business when sued for property damage, bodily or advertising injury. While this insurance isn’t mandatory, you should never ignore it because it saves your business significant financial losses.

Product liability insurance

If you sell goods, consumers can be harmed by your product. For instance, consumers could suffer from an allergic reaction after consuming your products. You need product liability coverage to cover medical costs and legal charges when faced with such claims.

Professional liability insurance

As an e-business, you could be an accountant, dietician, financial advisor, or IT specialist. If you offer professional advice, you should invest in professional liability insurance to cover you when sued for malpractice, missed deadlines, and incomplete work.

Commercial property insurance

You may not have a physical office, but your business could have invested in computer equipment and other assets. If you sell merchandise online, you probably have delivery vehicles, inventories, and warehouses. Invest in property insurance to cover your assets against damage and losses from fire, theft, natural disasters, and other perils listed in your policy.

Want to invest in business insurance in Midland, TX? Please contact Ledford Agency LLC for a competitive quote.

How Auto Insurance Can Protect You

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Auto insurance is a vital part of life for drivers in Midland, TX. It can protect you and your vehicle in the event of an accident or other incident involving your car, truck, or SUV. Ledford Agency LLC offers you a look at how auto insurance works and what it can do for you. 

How Auto Insurance Can Protect You 

Protect You From Liability

One of the most critical functions of auto insurance is to protect you from liability in the event of an accident. If you cause an accident, your insurance will pay for the damages to the other party up to your policy limit. This can save you a lot of money if someone sues you, or the court finds you liable for an accident.

Protect Your Vehicle

If your vehicle is damaged in an accident, the policy covers the repair costs. This can save you a lot of money if you have to pay out-of-pocket repairs. Your Ledford Agency LLC can help you find the right coverage for your car, truck, or SUV.

Protect You In The Event Of A Collision

If you are in a mishap and your car is damaged, your insurance will cover the repair cost up to the stated limit under your policy. This can save you a lot of money if you have to pay out-of-pocket repairs. The right auto insurance policy can also provide rental car coverage if your vehicle is being repaired.

Protect You In The Event Of An Accident

If you are involved in an accident, your insurance will pay for the cost of medical treatment for you and your passengers up to your policy limit. This can save you a lot of money if you have to pay for medical bills out-of-pocket.

Insure Your Car Today

Auto insurance is a vital part of life for drivers in Midland, TX. Ledford Agency LLC can help you find the right coverage for your car, truck, or SUV. Contact us today to get a quote.

How Much Home Insurance Do I Need?

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What’s one of the most frustrating things about insurance? You guessed it right — filing for a claim only to discover that you are uninsured or underinsured. This is not only frustrating but also messes with your finances. So, if you want to invest in home insurance, you want to ensure that you are covered optimally. As such, Ledford Agency LLC of Midland, TX is here to guide you on the amount of home insurance sufficient for you.

To help you understand the amount of home insurance you need, we need to break it into various insurance coverages. This way, you can understand how much of each category you need.

How much dwelling insurance do I need?

Purchase home insurance adequate to rebuild your home when damaged beyond repair. Instead of using the cost you used to buy or build your home, use the “replacement cost value” since it considers changes in building materials, significant renovations, and other factors.

How much liability coverage do you need?

The liability portion of your home insurance covers you against liability claims, including lawsuits. And since these third-party costs can be expensive, you need sufficient insurance to minimize exposure.

While most home liability coverages offer liability coverage of $100,000, we advise you to invest in liability coverage of between $300,000 and $500,000. Opt for umbrella insurance or excess liability coverage if you have assets and savings worth more than this coverage.

Determining property insurance sufficient for you

Before anything else, please conduct a home inventory for your assets. This way, you will ensure that every item in your possession is covered. Once you establish the value of what you own, invest in insurance that can replace your assets without incurring out-of-pocket expenses (except a deductible).

Learn more about home insurance in Midland, TX

Need to expand your home insurance knowledge? Please get in touch with Ledford Agency LLC for more information. We will help determine home insurance suitable for your current needs.

Understanding your commercial insurance options

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The team here at Ledford Agency LLC is available to help all of the business owners in the greater Midland, TX area with their insurance needs. Commercial insurance does not need to be confusing or overwhelming! Call us today and learn more about this important way to protect your business.

Commercial insurance options in our area

When it comes to owning a business, there’s a lot to keep track of! Having the right commercial insurance policy in place should be at the top of your list. This important tool to protect your hard work can make a huge difference in the success and longevity of your company.

There are a number of different considerations that go into choosing the right policy for your needs. Whether you have an expansive fleet of commercial vehicles, a substantial amount of inventory, or expensive equipment and technology, it’s important to find a policy that best meets your needs.

Sitting down with a local agent is a great first step when it comes to reviewing commercial insurance policy options. They can review your entire business and help you determine which level of coverage is appropriate and what features you need the policy to contain.

In fact, we recommend that all of our commercial clients do a thorough review of their entire insurance portfolio at least once a year. When you have the right insurance coverage in place, you can focus on your business. We all know how important insurance is when it comes to keeping our business safe.

Let us help you protect your business

Give the team at Ledford Agency LLC a call today and set up an appointment to discuss protecting your Midland, TX area business. We are proud to serve the insurance needs of our business community!

Protect your home with an upgraded policy

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If you are a homeowner in the greater Midland, TX area, you can rely on the team at Ledford Agency LLC for all of your insurance needs. We know how important your home is, both as an investment and as a key part of your life. Let us help you protect it!

Is it time to upgrade your homeowner’s policy?

There is a lot to consider when you buy a home, and after you make the purchase, you may not think too much about your homeowner’s insurance policy. In fact, you may just continue to renew it year after year without giving it as much as a second glance. While this is entirely understandable, it can lead to problems down the line.

When you stay on top of your current policy benefits and how they compare to your current policy needs, you can move to fill any gaps right away. In fact, many homeowners decide to upgrade their policies once they take a closer look at its protection and overall coverage levels.

Due to increases in your home price or the value of your possessions, your current policy may not be sufficient. Or, you might be interested in adding some new features to the current home insurance policy. Upgrades such as reimbursement for temporary housing can be a wonderful thing to have. If your home is rendered uninhabitable due to a covered event, think about the peace of mind that will come with an alternative housing feature in place.

Find out more today

Ledford Agency LLC is here for you. We want to help all homeowners in the Midland, TX area protect their homes. If you would like to find out more about your policy options, call or stop by our office today!

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