Tailored Protection From A Trusted St. Augustine Insurance Agency

At Twin Palms Insurance Group, The Ward Agency, we provide personalized home, auto, flood, and business insurance backed by trusted guidance and access to all major carriers.

Local Coverage. Personalized Service. Peace of Mind.

At Twin Palms Insurance Group, The Ward Agency, insurance is personal. Every client deserves thoughtful guidance, tailored protection, and a team that takes time to understand what matters most.


From first homes to growing businesses, our St. Augustine insurance agency helps clients navigate coverage with clarity and confidence. With deep local roots and a customer-first approach, Twin Palms delivers insurance solutions designed around real needs, real risks, and long-term peace of mind.

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Independent and Client-Focused

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Family-Owned and Local

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20+ Years of Experience

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Customized Coverage Solutions

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Free Quotes and Ongoing Support

Insurance Solutions Designed Around You

We’re offering a wide range of personal and commercial insurance solutions, helping clients find dependable protection with coverage tailored to their unique situation.

  • Home Insurance

    Protect your home, belongings, and peace of mind with personalized coverage options.

  • Flood Insurance

    Get added protection against water damage and flood-related risks in coastal areas.

  • Auto Insurance

    Stay protected on the road with coverage designed for your vehicle and driving needs.

  • Personal Umbrella Insurance

    Add an extra layer of liability protection beyond your standard policies.

A Clear Path to the Right Coverage

Start With a Conversation

Every policy begins with understanding what matters most to you. We take time to learn about your property, your lifestyle, your business, and your priorities.

Review Your Options

With access to multiple carriers, Twin Palms helps you compare coverage options, understand your choices clearly, and explore solutions that fit your needs.

Choose Coverage With Confidence

Once you are ready, we help you move forward with protection that feels thoughtful, practical, and tailored to your goals—without unnecessary complexity.

Count on Ongoing Support

Insurance needs change over time. Our team remains available to answer questions, update coverage, and help you stay protected as life and business evolve.

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Protection for Coastal Living and Everyday Peace of Mind

Living and working near the coast comes with unique opportunities and risks. As a trusted St. Augustine insurance agency, we understand the importance of having coverage that reflects your property, your assets, and the realities of coastal Florida.


From home and flood insurance to business and liability protection, our team helps clients make informed decisions with confidence. The goal is simple: to provide refined, reliable service and tailored coverage with a personal touch.

5-Star Reviews Backed by Exceptional Service

We’re proud to serve our community with personalized guidance, dependable coverage options, and a customer-first experience.

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★★★★★

Allyson Ward is absolutely the best! As a local real estate broker and business owner, making sure my customers are well taken care is my top priority. Allyson is always available to speak with my customers and navigate any insurance matter they have, including complex roof concerns. On top of it all, she always saves them money!


-Jenn B

★★★★★

Allyson is an absolute gem! She’s incredibly engaging, genuinely caring, and always goes the extra mile for her clients and people alike. I’ve seen how much she truly values her clients and works to provide solutions that actually fit their needs. Her warmth and dedication make her a pleasure to talk to. If you’re looking for someone who cares, in an industry that has a reputation for being uncaring, look no further, because you’ll be safe in her hands.


-Nicky M.

★★★★★

Allyson at Twin Palms Insurance is amazing! She helped us with both auto and homeowners insurance and got us the same coverage at a significantly lower price. What really stood out was her personal touch — she takes the time to walk you through everything and makes the process simple and stress-free. Her knowledge and experience gave us total confidence, and we highly trust and recommend her to anyone looking for insurance done right.


-Brian T

★★★★★

Allyson Ward is very knowledgeable and professional. She understood my needs and concerns and provided the correct coverage for my new home. I am looking forward to working with her in the future as I settle in. Thank you Allyson!


-Patricia F

★★★★★

I was totally impressed with the service I received from Allyson Ward helping me search for more appropriate home and auto insurance especially being on fixed social security income.She took the time to make sure I understood both changes in my policies. I will not hesitate to refer my family and friends to her.


-steve p

★★★★★

I was referred as a graduate for the E2C program. 100% would recommend Allison, she was swift, professional and knowledgeable of different insurance products to best fit my business needs. I spoke with with a brokers regarding my business insurance but working with Twin Palms was a no-brainer after our call.


-Jefferey P.

Proudly Serving St. Augustine and Nearby Communities

Twin Palms Insurance Group proudly serves clients in:



  • St. Augustine
  • West Palm Beach
  • Ponte Vedra
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Your Peace of Mind, Our Priority

Protect what matters most with affordable insurance solutions you can trust. Contact Twin Palms Insurance Group, The Ward Agency today.