Home Insurance
Protect your home, personal belongings, and financial security with coverage matched to your property.
Coverage options
Insurance built around what matters to you.
From your home and vehicles to your company and employees, Twin Palms Insurance Group helps you compare personal and business coverage with clear, local guidance.
Twin Palms Insurance Group
The Ward Agency
Insurance made personal
Clear choices for your personal life and your business.
Insurance should feel thoughtful and understandable—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.
Personal Insurance
Protect your home, vehicles, and personal financial security.
Personal coverage can help protect the property you own, the way you travel, and the liability risks that come with everyday life.
Flood Insurance
Add dedicated protection for flood and water-related risks that are especially important in coastal Florida.
Auto Insurance
Stay protected on the road with practical coverage for your vehicle, passengers, and liability needs.
Personal Umbrella
Extend your liability protection beyond the limits of your home and auto policies for added confidence.
Not sure what you need? Twin Palms can help you review your current situation and compare available coverage in plain language.
Business Insurance
Practical protection for the business you’ve worked to build.
Commercial insurance can be shaped around your operations, property, vehicles, employees, and everyday liability exposures.
Business Insurance
Build a flexible package that reflects your company’s operations, assets, team, and everyday risks.
Commercial Auto
Protect business-owned vehicles, drivers, and liability exposures while your team is on the road.
Commercial Property
Help safeguard your building, equipment, inventory, furnishings, and other physical business assets.
Liability & Workers’ Comp
Address common liability claims and help protect employees and your company after workplace injuries.
A straightforward process
Coverage decisions made easier.
We help you understand the options, compare practical protection, and choose coverage with confidence.
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.
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 →