Twin Palms Insurance Group

Twin Palms Insurance Group, also known as The Ward Agency, is an independent insurance agency in St. Augustine that writes personal and business coverage. Personal lines include home, flood, auto and personal umbrella policies, while business clients can get commercial auto, commercial property, liability and workers' compensation. Principal Agent Allyson Ward leads the agency with an emphasis on personal guidance and long-term client relationships.

The agency works with major carriers and says it reviews your property, lifestyle, business and risks before comparing options in plain language. Quotes are free and come with no pressure to buy. It also helps Florida clients think through coastal risks such as wind and flooding. The office is at 320 High Tide Drive in St. Augustine, and clients across Florida, including Ponte Vedra and West Palm Beach, are served by phone and email.