ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency or broker. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. No agent listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Find Home Insurance Agents Near You in St James, NY
Directory of home insurance agents in St James, New York. Verify credentials with the state department of insurance before hiring.
10 agents listed
Updated May 2026
St James, NY
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of New York before hiring.
Showing 10 home insurance agents in St James, NY
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
James Winter - State Farm Insurance Agent
312 Lake Ave, St James, NY 11780
(631) 981-1000
jamesjwinter.com
Thomas Maher: Allstate Insurance
462 Moriches Rd, St James, NY 11780
(631) 686-5177
agents.allstate.com
Christian Gregory: Allstate Insurance
872 Middle Country Rd, St James, NY 11780
(631) 265-5800
agents.allstate.com
Jim Winter - State Farm Insurance Agent
312 Lake Ave, St James, NY 11780
(631) 584-5929
jameslwinter.com
Tim Fleming: Allstate Insurance
419 N Country Rd Ste 1, St James, NY 11780
(631) 208-5266
agents.allstate.com
Dowling Knipfing Klein Insurance
500 Lake Ave, St James, NY 11780
(631) 584-6222
dkkins.com
James Insurance service NY
610 Middle Country Rd, St James, NY 11780
(917) 336-8437
Larry Darcey: Allstate Insurance
872 Middle Country Rd, St James, NY 11780
(631) 265-5800
agents.allstate.com
CSI Insurance Agency
271 Lake Ave, St James, NY 11780
(631) 257-5522
csiinsagency.com
George F. Diffendale, Principle - New York Life
499 Lake Ave, St James, NY 11780
(631) 670-7693
newyorklife.com
A home insurance agent in St James, New York can help you find coverage that meets your needs. New York law requires insurers to offer a standard fire insurance policy, and agents can explain additional options like flood or wind coverage. Working with a local agent means you get personalized service and knowledge of the St James area.
What Does a Home Insurance Agent in St James Cost?
The cost of home insurance in New York varies based on your homes value, location, and coverage limits. For a typical single-family home in St James, annual premiums often range from 1,200 to 3,000 dollars. Factors like the age of the home, proximity to the coast, and your claims history affect the price. This is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a home insurance agent in St James do?
A home insurance agent helps you compare policies from different insurers, explains coverage options, and assists with filing claims. They can also advise on New York-specific requirements like the standard fire policy and liability limits.
Do I need flood insurance for my home in St James?
Standard home insurance policies do not cover flood damage. If your home is in a flood zone, your lender may require flood insurance. An agent can help you find a separate flood policy through the National Flood Insurance Program or a private carrier.
How do I choose a home insurance agent in St James?
Look for an agent licensed in New York who has experience with homes in the St James area. You can check the New York State Department of Financial Services website to verify a license. Ask about their claims process and the insurers they represent.
Free • No Obligation
Compare Home Insurance Agents
Get matched with agents in St James who handle your type of coverage.
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party insurance marketing service. BeforeInsuranceUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any agent. Your information is collected and handled by the form provider according to their privacy policy.
Notice
BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of New York.