St. James Insurance Group

The St. James Insurance Group was founded in 1984. They’ve expanded into 13 states throughout their history, but have since focused their underwriting services in Florida and South Carolina. Their property insurance offerings include coverage for homeowners, renters, condominium owners, as well as policies for vacant property, dwelling fire, and other specialized products.

St. James Insurance carries a Demotech Rating of “A,” and serves over 200,000 policyholders. They also can offer excess and surplus lines coverage in several states.

St. James Insurance Products:

The St. James Insurance Group family of products generally consists of:

Homeowners Insurance

St. James homeowners insurance policies generally have dwelling limits that range from $70,000 to over $2,000,00 with a standard home deductible of $1,000 and a hurricane or wind deductible of 2%. 

Condo Insurance

St. James personal condominium insurance typically has a dwelling limit between $5,000 and $750,000, and a personal property coverage limit between $6,000 and $1,000,000. A standard deductible of $1,000 and a 2% hurricane deductible is common, too. 

Renters Insurance

St. James renters insurance commonly has personal property limits between $6,000 and $100,000 with a standard deductible of $1,000 and a hurricane deductible of 2%, if applicable.

Vacant Properties

Homes with no occupants are a greater insurance risk since people aren’t around to see or stop damage in case something goes wrong. Luckily, St. James also markets vacant property and builder’s risk policies for vacant homes.

They generally consist of property and liability limits of $1,000,000, although you can get more. You may also get coastal wind coverage. Policies typically range between 1 and 18 months.

St. James Insurance Quotes

Clovered is licensed to sell and bind insurance products from St. James. If you’re looking for coverage that suits your needs, our easy-to-use online quoting platform allows you to get and compare policies entirely online.

If you have any questions before, during, or after the quoting process, our licensed agents are happy to help. Feel free to call us Monday through Friday from 8:30 a.m. to 6 p.m. at 833-255-4117 or email us anytime at

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