ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency, broker, or licensed producer. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. Except where a listing is clearly marked Featured, no agent listed on this site has paid for their listing. Featured listings are paid advertisements. This is an advertisement.
HomeHome Insurance AgentsNew York › St James

Find Home Insurance Agents Near You in St James, NY

Browse home insurance agents serving St James, New York. Updated 2026-07-14.

The top-rated home insurance agent in St James, New York is James Winter - State Farm Insurance Agent, rated 4.9 stars across 118 reviews. Other highly rated options include Thomas Maher: Allstate Insurance, Christian Gregory: Allstate Insurance, Jim Winter - State Farm Insurance Agent. This directory lists 10 home insurance agents serving St James.

Showing 10 home insurance agents in St James, NYListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1James Winter - State Farm Insurance Agent312 Lake Ave(631) 981-1000
2Thomas Maher: Allstate Insurance462 Moriches Rd(631) 686-5177
3Christian Gregory: Allstate Insurance872 Middle Country Rd(631) 265-5800
4Jim Winter - State Farm Insurance Agent312 Lake Ave(631) 584-5929
5Tim Fleming: Allstate Insurance419 N Country Rd Ste 1(631) 208-5266
6James Insurance service NY610 Middle Country Rd(917) 336-8437
7Larry Darcey: Allstate Insurance872 Middle Country Rd(631) 265-5800
8Dowling Knipfing Klein Insurance500 Lake Ave(631) 584-6222
9CSI Insurance Agency271 Lake Ave(631) 257-5522
10George F. Diffendale, Principle - New York Life499 Lake Ave(631) 670-7693
JW
312 Lake Ave
James Winter - State Farm Insurance Agent
Home Insurance Agent · St James, NY

James Winter - State Farm Insurance Agent serves the St James, New York, area and nearby communities across Suffolk County. The agency provides home insurance policies designed to protect residential properties and personal belongings. They assist clients in selecting coverage that addresses local risks, such as weather-related damage. Policies can be tailored to include liability protection for household incidents. The agency also handles claims support and policy adjustments for homeowners, offering guidance on dwelling coverage and umbrella liability protection.

TM
462 Moriches Rd
Thomas Maher: Allstate Insurance
Home Insurance Agent · St James, NY

Thomas Maher: Allstate Insurance provides a comprehensive range of home insurance services for property owners in the St James, NY area. Its agents work with clients to tailor coverage plans that protect against common regional risks, and they assist with regular policy reviews to ensure adequate protection as circumstances change. The agency also offers guidance on filing claims and adjusting coverage following home renovations or major purchases. It services single-family homes, apartments, retail spaces, and restaurants.

CG
872 Middle Country Rd
Christian Gregory: Allstate Insurance
Home Insurance Agent · St James, NY

Christian Gregory: Allstate Insurance serves homeowners, renters, and property managers in St James, New York, offering personalized guidance on policies that protect residential property and personal belongings. The agency works with clients to explain coverage options for dwellings, liability, and additional structures, helping ensure financial security against common regional risks like winter storms and water damage. Its services also extend to Smithtown and surrounding communities across Suffolk County.

JW
312 Lake Ave
Jim Winter - State Farm Insurance Agent
Home Insurance Agent · St James, NY

Jim Winter - State Farm Insurance Agent serves St James, New York, along with nearby communities in Suffolk County. The agency handles home insurance policies, helping homeowners protect their property and personal belongings from local risks such as storms and theft. Each client receives a review of coverage options tailored to the specific needs of their individual home and budget. The agent typically starts by assessing the property's features and discussing potential liabilities before presenting policy choices that match the client's requirements.

TF
419 N Country Rd Ste 1
Tim Fleming: Allstate Insurance
Home Insurance Agent · St James, NY

Homeowners may choose between a one-time consultation and an ongoing service plan when addressing their coverage needs. Tim Fleming: Allstate Insurance in St James, NY offers policies that protect a home and its contents against common local risks such as storm damage and liability claims. The agent helps clients match deductibles and dwelling limits to their individual requirements during an initial review. For policy adjustments, claims assistance, or annual reviews, service is typically available on an as-needed basis.

JI
610 Middle Country Rd
James Insurance service NY
Home Insurance Agent · St James, NY

As the seasons shift on Long Island, homeowners in the St James area often reassess their coverage against local weather risks like winter storms or summer humidity. James Insurance service NY helps clients match their policies to these changing needs by reviewing dwelling limits and personal property endorsements. Their agents work with homeowners to understand current replacement costs and liability concerns for properties in the region. The process typically begins with a property inspection and a comprehensive review of existing coverage during an initial consultation.

LD
872 Middle Country Rd
Larry Darcey: Allstate Insurance
Home Insurance Agent · St James, NY

Larry Darcey: Allstate Insurance provides comprehensive home coverage for residents in and around St James, New York. The company specializes in personalized policies that can include add-ons such as flood protection, personal property replacement cost, and liability coverage for enhanced security. This agency assists homeowners in tailoring plans to safeguard their dwellings against common regional weather risks. It serves a variety of commercial sectors, including local offices, warehouses, and food service establishments.

DK
500 Lake Ave
Dowling Knipfing Klein Insurance
Home Insurance Agent · St James, NY

Operating in St James, NY, Dowling Knipfing Klein Insurance specializes in home insurance policies that cover dwelling structures and personal property. It provides general agency services tailoring liability protection and endorsements for local homeowners. Understanding the regional weather risks, it helps clients adjust coverage ahead of the winter storm season to address potential ice dam and freeze damage.

CI
271 Lake Ave
CSI Insurance Agency
Home Insurance Agent · St James, NY

CSI Insurance Agency provides residential home insurance coverage for properties in St James, New York. The agency also handles commercial policies for area businesses. Their service extends throughout the local region. Homeowners can discuss policy options, deductibles, and coverage limits during a consultation. The team assists with claims filing and policy adjustments as needed. Existing clients often return between regular visits to update coverage after renovations or new purchases.

GF
499 Lake Ave
George F. Diffendale, Principle - New York Life
Home Insurance Agent · St James, NY

George F. Diffendale, Principle - New York Life in St James, NY, is known for helping local homeowners find suitable insurance coverage. The agency works with clients to assess their property values and liability needs. Policies are tailored to protect against common regional risks such as storms and fire. The team advises on dwelling coverage and personal property protection. A specialty service it can add on is scheduled personal property coverage for high-value items like jewelry or fine art.

What Does a 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.

About home insurance agents in St James

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.

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.

Home Insurance Agents in Other New York Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each home insurance agent's credentials and current standing with your state Department of Insurance.