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Browse umbrella insurance agents serving St James, New York. Contact information and addresses listed below.
5 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 5 umbrella 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
Jim Winter - State Farm Insurance Agent
312 Lake Ave, St James, NY 11780
(631) 584-5929
jameslwinter.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
CSI Insurance Agency
271 Lake Ave, St James, NY 11780
(631) 257-5522
csiinsagency.com
An umbrella insurance agent in St James, New York helps you secure extra liability coverage beyond standard home and auto policies. New York law requires minimum auto liability limits of 25,000 per person and 50,000 per accident, but umbrella policies provide additional protection. Local agents can tailor coverage to your assets and risk profile.
What Does a Umbrella Insurance Agent in St James Cost?
Typical costs for a 1 million umbrella policy in New York range from 150 to 300 per year. A 2 million policy may cost 250 to 500 annually. Costs depend on your driving record, home value, and number of properties. 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 an umbrella insurance agent in St James do?
An umbrella insurance agent helps you purchase a personal liability umbrella policy that covers claims exceeding your underlying home or auto insurance limits. They assess your assets and recommend coverage amounts to protect against lawsuits.
How much umbrella coverage do I need in New York?
Most agents recommend at least 1 million in umbrella coverage for New York residents. Higher net worth individuals may need 2 to 5 million or more. Your agent can calculate the right amount based on your assets and income.
Are there New York specific rules for umbrella insurance?
New York does not mandate umbrella insurance, but it is common for homeowners and drivers. Umbrella policies typically require underlying auto and home insurance to meet minimum limits set by the insurer. New York courts often award large settlements, making umbrella coverage advisable.
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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.