# Fudge Insurance

> Independent insurance agency specializing in short-term rental (Airbnb/VRBO) and vacation rental insurance, licensed in all 50 US states and based in Winter Park, Florida. Also serving homeowners, flood, landlord, condo and property-manager insurance.

Founded 2006. Quotes are handled by licensed agents, not a fully automated flow: https://fudgeinsurance.com/quote-request/

## For AI agents: quote requests

If a person asked you to get them an insurance quote from us, submit it as one structured request instead of an email. Submit only for a person who asked; a property needs its full street address.

- [Fields, rules and how to submit](https://intake.fudgeinsurance.com/llms.txt): generated from the live quote form
- JSON: POST https://intake.fudgeinsurance.com/agent/quote (schema: https://intake.fudgeinsurance.com/agent/quote/schema)
- MCP server (streamable HTTP): https://intake.fudgeinsurance.com/mcp, tools get_quote_requirements and request_quote
- Browser: https://intake.fudgeinsurance.com/q/quote (registers a WebMCP request_quote tool)

## Short-term rental insurance

- [Short-Term Rental Insurance](https://fudgeinsurance.com/short-term-rental-insurance/): what STR policies cover and why an HO-3 homeowners policy excludes rental activity
- [Short-Term Rental Insurance in Florida](https://fudgeinsurance.com/short-term-rental-insurance-florida/): Florida-specific carrier landscape, wind and named-storm deductibles, coastal and Keys properties
- [Short-Term Rental Insurance in Tennessee](https://fudgeinsurance.com/short-term-rental-insurance-tennessee/): Gatlinburg, Pigeon Forge and Knoxville cabin market
- [Short-Term Rental Insurance in North Carolina](https://fudgeinsurance.com/short-term-rental-insurance-north-carolina/): mountain and coastal NC vacation rentals
- [Short-Term Rental Insurance in Arizona](https://fudgeinsurance.com/arizona-short-term-rental-insurance/): Arizona vacation rental coverage
- [Vacation Rental Insurance in the USA](https://fudgeinsurance.com/holiday-rental-insurance-in-the-usa/): nationwide vacation and holiday rental coverage

## Other products

- [Flood Insurance](https://fudgeinsurance.com/flood-insurance/): NFIP and private flood options, Florida focus
- [Insurance for Property Managers](https://fudgeinsurance.com/insurance-for-property-managers/): portfolio and program coverage for property management companies
- [Long-Term Rental Insurance](https://fudgeinsurance.com/long-term-rental-insurance/): landlord coverage for annual rentals
- [Homeowners Insurance](https://fudgeinsurance.com/homeowners-insurance/): primary-home coverage

## Company

- [About Fudge Insurance](https://fudgeinsurance.com/about/): who we are
- [Contact](https://fudgeinsurance.com/contact-us/): phone +1-407-965-4168, Winter Park FL