Home Insurance
Florida homeowners coverage shopped across every appointed carrier — wind, water and everything under your roof.
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Serving Central Florida since 2019
Insurance That ProtectsWhat Matters Most
Providing affordable home, auto, business, commercial, and personal insurance with exceptional service and trusted local expertise throughout Central Florida.
Independent Insurance AgencyLocal Florida ExpertsHome & Auto SpecialistsCommercial InsuranceFriendly Personal Service
42+
Years of combined experience
About the agency
Great rates. Great service.Great people.
With 15+ years in the insurance business, Cheryl Durham is no stranger to the Central Florida area. While providing exceptional service to her customers, Cheryl established Ashton Insurance Agency in 2019. Specializing in home, auto, and commercial service lines, she has assembled a dream team of locally grown agents dedicated to finding you the best rates and the highest level of customer service.
"We protect people here in our community. It is an honor to work with so many incredible businesses and friends."
Community commitment
Neighbors first, policies second.
Experienced professionals
Locally grown, career agents.
Personalized service
Coverage built around your life.
Independent advantage
We shop carriers, you save.
Coverage
Insurance built around Florida life
As independent agents we shop the largest carriers in the state to make sure you get the right coverage at the lowest premium.
Auto Insurance
Competitive auto premiums with the coverage limits that actually hold up after an accident.
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Commercial Insurance
Custom commercial programs built around your operation, from single trucks to multi-location businesses.
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Business Insurance
BOP packages for Central Florida's small businesses — coffee shops, salons, contractors and beyond.
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General Liability
Protect your business against third-party claims with limits that match your contracts.
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Property Insurance
Buildings, contents and business income covered against Florida's toughest weather.
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Personal Insurance
Umbrella, boat, renters and life — the policies that round out a family's protection.
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Custom Coverage Solutions
Unusual risk? As independent agents we build the policy instead of forcing you into one.
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Agents that work for you
Making informed decisions shouldn't just be the responsibility of the buyer. Leverage our agents' ability to find the most competitive and comprehensive policies.
Personalized Coverage
Policies shaped to your household or operation, never a template.
Competitive Rates
We compare carriers side by side and bring you the lowest qualified premium.
Fast Claims Support
We advocate with the carrier from first notice through settlement.
Independent Agency
No single-carrier quotas — our loyalty sits with the client.
Local Florida Experts
Saint Cloud based, serving Osceola, Orange, Polk, Lake and Seminole.
Multiple Carriers
Appointed by the largest insurance providers in Florida and beyond.
Friendly Service
A real person answers, remembers your name and follows up.
Experienced Team
42+ years of combined experience across personal and commercial lines.
Our process
Four steps to peace of mind
01
Request a Quote
Complete a simple online form.
02
Speak With an Agent
Discuss your insurance needs.
03
Compare Coverage
Receive the best policy options.
04
Get Protected
Choose the right coverage with confidence.
Meet the team
Locally grown agents who pick up the phone
Cheryl Durham
Founder · Corporate Lines Specialist
Fifteen-plus years in insurance and a lifetime in Central Florida. Cheryl founded Ashton in 2019 and was named Insurance Agent of the Year by Insurance Journal in March 2025.
CommercialGeneral LiabilityProperty
Danine Stadler
Personal Lines Specialist
Danine walks homeowners and drivers through every option line by line, so families understand exactly what they're covered for before they sign.
HomeAutoBundling
Darlene Woodward
Customer Support Specialist
The friendly voice on the other end of the line. Darlene handles policy changes, renewals and claims questions with a same-day mindset.
ServiceClaimsRenewals
Tribble Durham
Human Resources Manager
Tribble keeps the Ashton culture intact — hiring locally grown agents who care about the customer more than the sale.
PeopleCultureOperations
Testimonials
Trusted by neighbors and business owners
“We've trusted Cheryl with our insurance business from the beginning. She is an excellent resource for my business.”
Kristen LanierOwner · Southern Grounds Coffee“Being a small business we wanted a personal touch when it came to insurance. Ashton came highly recommended, and we could not be happier.”
Emilee PateOwner · Salon Emvy“Cheryl has been great! She keeps you informed, goes out of her way to get things done. Great customer service which is very much appreciated!”
SusanHomeowner · St. Cloud“After shopping several policies and several insurance providers, Ashton was able to step in and meet me where my needs were.”
Mike G.Central Florida Shades“Cheryl Durham is great! She and her team are full of experience and work with you well to get the coverage you need to be protected properly.”
Steve JoyCommercial ClientFAQ
Answers before you sign
Still have a question? Call the office and speak with an agent — no phone trees, no scripts.
(407) 498-4477Home, auto, commercial, business, general liability, property and personal lines — plus custom coverage solutions for risks that don't fit a standard box.
Use the quote form on this page or our online quote portal. You can also call the office and speak with an agent directly — most quotes start with a five-minute conversation.
Yes. Commercial lines are one of our specialties. Cheryl Durham was named Insurance Agent of the Year in 2025 largely for her commercial work with Central Florida businesses.
Absolutely. Bundling home and auto is usually the fastest way to lower your total premium, and we compare bundled versus separate pricing across carriers before recommending either.
We're based in Saint Cloud and serve all of Central Florida — Osceola, Orange, Polk, Lake and Seminole counties — plus statewide commercial accounts.
Call the office and we'll walk you through it. As your independent agent we advocate with the carrier on your behalf from first notice to settlement.
Most personal lines quotes come back the same business day. Commercial quotes typically take one to three business days depending on carrier underwriting.
Contact
Are you ready to chat with an agent?
Office25 E 13th St, Suite 10, Saint Cloud, FL 34769
Phone(407) 498-4477
HoursMon – Fri · 9:00 AM – 5:00 PM · Weekends by appointment