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INDEPENDENT INSURANCE AGENCY
LOCAL FLORIDA EXPERT
HOME & AUTO SPECIALISTS
COMMERCIAL INSURANCE
FRIENDLY PERSONAL SERVICES
ABOUT THE AGENCY
Great rates. Great service. Great people.
42+
YEARS OF COMBINED EXPERIENCE
With 15+ years in the insurance business, Cheryl Durham is no stranger to the 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.
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WHY ASHTON
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
02
03
04
Request a Quote
Complete a simple online form.
Discuss your insurance needs.
Compare Coverage
Receive the best policy options.
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.
COMMERCIAL
GENERAL LIABILITY
PROPERTY
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.
HOME
AUTO
BUILDERS RISK
MOBILE
EVENTS
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.
SERVICES
RENEWALS
Mr .Tribbles
HUMAN RESOURCES MANAGER
Tribble keeps the Ashton culture intact — hiring locally grown agents who care about the customer more than the sale.
PEOPLE
CULTURE
OPERATIONS
TESTIMONIALS
Trusted by neighbors and business owners
“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!”
Homeowner · St. Cloud
Susan
FAQ
Answers before you sign
Still have a question? Call the office and speak with an agent — no phone trees, no scripts.
Frequently asked questions
What insurance do you offer?
CONTACT
Are you ready to chat with an agent?
OFFICE
123 E 13th Street, Saint Cloud, FL
PHONE
(407) 498-4477
HOURS
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