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 8 landlord 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
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
What Does a Landlord Insurance Agent in St James Cost?
Typical landlord insurance agent costs in New York are not charged directly to you. Agents earn a commission from the insurance company, usually 10 to 15 percent of the premium. For a rental property in St James, annual premiums often range from 800 to 2500 dollars for standard coverage. Higher coverage limits or properties in flood zones can increase costs. 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 landlord insurance agent in St James do?
A landlord insurance agent helps you find a policy that covers property damage, liability, and loss of rental income. They understand New York specific risks like winter weather damage and tenant liability. They also explain how local building codes affect your coverage needs.
Is landlord insurance required by law in New York?
New York State does not require landlord insurance by law, but most mortgage lenders require it. For buildings with three or more units, New York General Obligations Law Section 7-107 requires landlords to carry liability insurance. An agent can help you meet these legal requirements.
How much does landlord insurance cost in St James New York?
Costs vary based on property value, location, and coverage limits. In St James, typical annual premiums range from 800 to 2500 dollars for a single family rental. Factors like flood risk near Long Island Sound and local crime rates affect pricing.