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Directory of title insurance companies in St James, New York. Verify credentials with the state department of insurance before hiring.
2 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 2 title insurance companies 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.
Downstate Title Agency
291 Lake Ave, St James, NY 11780
(631) 584-7141
Downstate Title Agency
291 Lake Ave, St James, NY 11780
(631) 584-7141
A title insurance company in St James New York helps protect home buyers and lenders from hidden property defects. New York law requires title insurance for most mortgage loans and recommends owner policies for added security. Local providers understand Suffolk County land records and can perform thorough title searches.
What Does a Title Insurance Company in St James Cost?
In New York title insurance costs are regulated by the state Department of Financial Services. For a property in St James the owner policy premium typically ranges from 0.4 to 0.6 percent of the purchase price. For a 500000 dollar home this means a cost between 2000 and 3000 dollars. Lender policies and endorsements add additional fees. Costs vary by property value and specific circumstances. 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 title insurance company do in St James New York?
A title insurance company examines public records to verify property ownership and identify liens or encumbrances. It then issues a policy that protects against losses from undiscovered title issues. In New York this process is governed by the New York Insurance Law.
Is title insurance required in New York for home purchases?
Lenders in New York almost always require a lender title insurance policy to protect their investment. An owner policy is optional but strongly recommended. New York does not have a state statute mandating owner coverage but most real estate contracts require it.
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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.