Personal Insurance
Protection for your home, vehicle, property, and personal liability needs—with practical guidance for Florida living.
- Home Insurance
- Flood Insurance
- Auto Insurance
- Personal Umbrella
St. Augustine’s local insurance agency
Protection shaped around the life you’ve built.
Personalized home, auto, flood, umbrella, and business insurance backed by trusted guidance, local experience, and access to major carriers.
Twin Palms Insurance Group
The Ward Agency
Insurance made personal
Local coverage. Personal service. Real peace of mind.
Insurance should feel clear, thoughtful, and built around your actual needs—not pulled from a one-size-fits-all template.
Twin Palms Insurance Group, The Ward Agency, helps homeowners, drivers, families, and business owners compare coverage with confidence. We take time to understand what matters, explain the choices, and remain available after the policy is in place.
- Access to major carriers
- Clear coverage comparisons
- Coastal Florida expertise
- Free, no-pressure quotes
Coverage options
Personal and business insurance, made clearer.
Start with the type of protection you need, then explore the full coverage options.
Business Insurance
Flexible protection built around your operations, vehicles, property, employees, and everyday business risks.
- Business Insurance
- Commercial Auto
- Commercial Property
- Liability & Workers’ Comp
Coastal Florida expertise
Protection built for coastal living.
Living and working near the coast brings unique opportunities and risks. We help clients think through home, flood, wind, auto, property, and liability coverage with a practical local perspective.
Call 904-643-9002 →
A simpler experience
A clear path to the right coverage.
We keep the process straightforward, explain the tradeoffs, and help you make a confident decision.
Start with a conversation
We learn about your property, lifestyle, business, priorities, and the risks you want to address.
Review your options
We compare available coverage and explain the differences in plain language.
Choose with confidence
You select practical protection based on your needs—not unnecessary complexity.
Count on ongoing support
As life and business change, we remain available to answer questions and update coverage.
Allyson Ward
Principal Agent
Meet the Principal Agent
Personal guidance starts with a trusted relationship.
Allyson Ward leads Twin Palms Insurance Group, The Ward Agency, with an approach grounded in trust, care, and attentive service.
Trust
Personalized Guidance
Responsive Service
Meet Allyson & Learn About Twin Palms →
Florida coverage with a local touch.
Personal and commercial insurance guidance close to home.
Insurance throughout Florida
About Our Florida Agency →
Rooted in St. Augustine. Serving Florida.
From our St. Augustine home base, Twin Palms Insurance Group provides responsive personal and business insurance guidance for clients across Florida.
St. Augustine
Ponte Vedra
West Palm Beach
Nearby Florida communities
Client experiences
Trusted guidance, backed by five-star service.
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Allyson is always available to speak with my customers and navigate insurance matters, including complex roof concerns. On top of it all, she saves them money.
“
She helped us with auto and homeowners insurance, made the process simple, and found the same coverage at a significantly lower price.
“
Professional, knowledgeable, and swift. Working with Twin Palms was a no-brainer after our conversation about business insurance.
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She understood my needs and concerns and provided the right coverage for my new home. I look forward to working with her in the future.
Insurance Questions
Common insurance questions from St. Augustine and Florida clients.
Clear answers to some of the questions homeowners, drivers, families, and business owners ask when reviewing their insurance options.
What types of insurance does Twin Palms Insurance Group offer?
Twin Palms Insurance Group provides personal and business insurance, including home, flood, auto, personal umbrella, commercial auto, commercial property, liability, workers’ compensation, and other business insurance options.
Does Twin Palms Insurance Group serve St. Augustine?
Yes. Twin Palms Insurance Group is based in St. Augustine, Florida, and provides personal and commercial insurance guidance throughout Florida, including St. Augustine, Ponte Vedra, West Palm Beach, and nearby communities.
Does Twin Palms help with coastal Florida insurance?
Yes. Twin Palms helps Florida clients think through home, flood, wind, auto, property, and liability coverage with the practical considerations that come with coastal living.
Who is the Principal Agent at Twin Palms Insurance Group?
Allyson Ward is the Principal Agent of Twin Palms Insurance Group, The Ward Agency. She leads the agency with an emphasis on personal guidance, responsive service, and long-term client relationships.
Does Twin Palms offer both personal and business insurance?
Yes. Personal coverage includes home, flood, auto, and personal umbrella insurance. Business coverage includes commercial auto, commercial property, liability, workers’ compensation, and other protection designed around business operations and risks.
Why work with an independent insurance agency?
An independent agency can help clients compare available coverage options rather than taking a one-size-fits-all approach. Twin Palms focuses on understanding your needs, explaining the differences, and helping you choose practical protection with confidence.
Can Twin Palms help compare insurance coverage options?
Yes. The agency takes time to understand your property, lifestyle, business, priorities, and risks, then helps explain available coverage and the differences between your options in clear language.
How do I request an insurance quote from Twin Palms?
You can start a free quote online, call 904-643-9002, or email office@twinpalms.us. A local agent can then help you review your insurance needs and options.
Let’s protect what matters
Your peace of mind is our priority.
Tell us what type of coverage you need. A local agent will follow up to help you review your options.
Call the agency
904-643-9002 Email us
office@twinpalms.us
904-643-9002 Email us
office@twinpalms.us
Visit the agency
320 High Tide Drive
St. Augustine, FL 32080
320 High Tide Drive
St. Augustine, FL 32080
Start your quote online
Ready to explore your coverage options?
Use our secure external quote page to share your information and begin the process. A Twin Palms agent will follow up to help you review the available options.
Request a Free Quote →