Business Details
20 Years
experience
Your Trusted Insurance Partner in Florida
At Fudge Insurance, we are committed to serving our clients with integrity, professionalism, and a personal touch. Founded in 2006, our agency has grown from a small Central Florida operation to a nationally recognized leader in specialty insurance, serving thousands of clients across 70+ countries. Our team of experienced professionals understands the complexities of insurance markets, offering tailored solutions for short-term rentals, homeowners, businesses, and life insurance. Recognized as a top 10% independent agency by IIABA & Reagan Consulting, we combine cutting-edge technology with decades of expertise to navigate risks and protect what matters most.With a 4.9-star Google rating and over 75% of our business coming from client referrals, we prioritize trust, transparency, and community impact, dedicating 1% of gross revenue to charitable causes. Our values-driven approach ensures every client receives personalized service, whether securing coverage for a single property or managing global portfolios.
Services
Short Term Rental Insurance
Homeowners Insurance
Business Insurance
Long-term Rental Insurance
Life Insurance
Flood Insurance
Accidental Damage Waiver
Details
- Year established: 2006
Highlights and features
- We have 15+ years of experience in specialty insurance markets.
- Our team is recognized as top 10% of independent agencies nationally.
- 75%+ of our business comes from client referrals.
- We dedicate 1% of gross revenue to community charitable causes.
- We serve clients in over 70 countries with global insurance expertise.
Associations and certifications
- IIABA & Reagan Consulting
What people say
Best service
Knowledgeable team
Excellent service
Generous community support
Quick claim resolution
Services
Short Term Rental Insurance
Protects short-term rental properties against property damage, liability claims, and loss of income. Covers unique risks for nightly rentals via platforms like Airbnb. Available globally with tailored policies for properties of all sizes.
Homeowners Insurance
Comprehensive protection for primary residences including property damage, liability, and additional living expenses. Specialized flood and wind coverage available. Expertise in Florida's unique insurance needs with access to multiple carriers.
Business Insurance
Customized policies covering property, liability, workers' compensation, and cyber risks. Designed for small to mid-sized businesses with industry-specific expertise. Includes general liability, professional liability, and business owners' policies.
Long-term Rental Insurance
Specialized insurance for annual rental properties including structural protection, liability, and loss of rental income. Available for 1-4 unit homes and condos. Expertise in LLC-owned properties and global portfolios.
Life Insurance
Term, whole, and guaranteed issue life insurance options for individuals and businesses. Supports estate planning, key person coverage, and loan security. Non-commissioned advisors prioritize client needs for personalized solutions.
People
Doug Fudge
President
Co-founder and President of Fudge Insurance, Doug leads with 20+ years of insurance expertise. He transitioned from co-owner to sole proprietor in 2021, driving technological innovation and national recognition.
Jared Townsend
Chief Financial Officer
Jared joined in 2008 and became CFO in 2012. He oversees financial operations and assumed agency ownership in 2021. Recognized for strategic growth that earned national top 10% agency status.
David Davis
Chief Technology Officer
As CTO since 2020, David modernized Fudge Insurance's technology stack. His leadership enables efficient digital services while maintaining personalized client interactions across global markets.
Questions
What types of insurance does Fudge Insurance specialize in?
We specialize in short-term rental, homeowners, business, long-term rental, life, and flood insurance with global coverage options.
How does Fudge Insurance handle international clients?
We serve clients in over 70 countries with expertise in foreign investor needs and cross-border insurance requirements.
Can I get a free insurance quote?
Yes, request a free quote online for any of our insurance products including rental properties and business coverage.
What makes Fudge Insurance different from other agencies?
Our combination of 15+ years in specialty insurance, 4.9-star ratings, and community-focused values sets us apart nationally.
How do I file a claim with Fudge Insurance?
Contact our team directly for personalized claim assistance, including international support available for global clients.
Does Fudge Insurance support local communities?
Yes, we dedicate 1% of gross revenue to charities and actively volunteer in our local Florida communities.
