About Us

We are an independent, local insurance agency

Licensed Insurance Agent in Southwest Florida since 2002

After working over 15 years in the commercial insurance business, Thomas J. Kast began concentrating on personal lines in 2002 and specializes in auto, home, and umbrella coverages.  Thom has worked the last 12 years in the Naples and Bonita Springs area and has acquired detailed knowledge of important Florida requirements and local nuances.

Thom saw that many other agencies were operating under business models which often were not in the customer’s best interest.  Many agencies had absentee owners who were hiring inexperienced agents who were not properly licensed.  He observed other agencies sending out mailings to “lure in customers” and the subsequent surprise when rates would quickly increase.  Thom’s mission was to change this thinking and get back to the basics of finding the right combination of cost vs. coverage and not making his customers constantly “shop” around for rates.   As such, Thom  personally reviews each policy each year to make sure that each customer is insured properly for the best long term result.

In 2005, Thom and his wife, Margot Kast acquired an agency in Bonita Springs (on Bonita Beach Rd.) and changed the name to Kast Insurance.     In 2014 he moved the office to the Naples location and expanded the health insurance business.

Margot has 20 years experience in health insurance starting as an underwriter in 1989.  As the health insurance industry has evolved, Margot makes it a priority to keep up with changes which are made through congress and the insurance companies.  She is one of the few agents who takes the time to explain all options so there is a complete understanding of all choices available in our local area and how provider networks work within these plans.  She knows that a mistake on health insurance coverage can be the difference of life or death, and bankruptcy. 

Thomas J. Kast

Thom Kast

Fast Superior Service both On line and in Person

At Kast Insurance our staff can offer you fast, free friendly quotes via telephone or on-line. During business hours you will never be connected to voice mail. We know your time is important, and in many cases, time is of the essence when looking for insurance. Our goal is to provide you with accurate and helpful information, and to bind your coverage with minimal effort on your part. Though we highly recommend that you come in to talk with us personally, we are able to bind coverage through email and fax in most all cases.

As your agent, you can expect us to spend the time to review your policies as your conditions change to make sure you are getting the best fit for your coverage.

"Why USE an Independent Agency?"

As an independent agency, Kast insurance is able to provide several companies to compare and choose rates. This enables us to give our customers lower rates yet keep the highest quality coverage. We are not captive agents like AllState, State Farm, or Nationwide Insurance. Captive agents are required to sell only their own products (so they can be limited). We can also offer much more than direct companies such as Geico as we make sure you are properly insured rather than having you choose insurance as if it’s on a shelf. Often times, they make money but you lose out on advice and service.