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Property insurance agents

Home and property

Insurance is a large part of owning property in the islands. Windstorm cover protects against hurricane damage, and flood cover is usually a separate policy, often written through FEMA's National Flood Insurance Program. Insurance companies in the territory are regulated by the Division of Banking, Insurance and Financial Regulation at the Office of the Lieutenant Governor. Ask an agent which companies they place cover with, what the windstorm deductible is, and how the age and construction of a building affect the price. Each listing shows when we last verified it.

St. Thomas

Sailboats anchored in Long Bay below the hillside homes of Charlotte AmalieArea photo

Caribbean Risk Group

Last verified October 28, 2026

Caribbean Risk Group, LLC is an insurance agency with an office at 5060 Forts Straede, Suite 2, in Charlotte Amalie on St. Thomas.

Long Bay, Charlotte Amalie, St. Thomas. Photo: Prayitno, CC BY 2.0

Wooded Hassel Island across the turquoise water of St. Thomas Harbor, with a red boat at the waterfront belowArea photo

Guardian Insurance Company, St. Thomas

Last verified October 29, 2026

Guardian Insurance Company is a property and casualty insurer that, according to its website, was founded on St. Thomas in 1984. Its U.S.

St. Thomas Harbor, Charlotte Amalie. Photo: Smallbones, CC0

Hull Bay on the north side of St. Thomas seen from the hills, with boats in the turquoise bay, homes on a point and an island offshoreArea photo

Shield Insurance

Last verified October 29, 2026

Shield Insurance is an insurance agency with an office at 5602 Trompeter Gade on St. Thomas, and its website says it serves clients on St. Thomas, St. John and St. Croix.

Hull Bay, St. Thomas. Photo: Gruepig, CC BY-SA 4.0

St. Croix

Arched sidewalk galleries along a street of colorful historic buildings in ChristianstedArea photo

Annaly Insurance Co.

Last verified October 29, 2026

Annaly Insurance Co. is an insurance agency on St. Croix with an office at 5001 Chandlers Wharf, Suite 4, in Christiansted, and its website says it has been in business for more than 20 years.

Christiansted, St. Croix. Photo: Prayitno, CC BY 2.0

Arched sidewalk galleries along a street of colorful historic buildings in ChristianstedArea photo

Inter-Ocean Insurance Agency

Last verified October 28, 2026

Inter-Ocean Insurance Agency is a division of Marshall+Sterling with its own office at 6006 Estate Peters Rest, Suite 8, in Christiansted on St. Croix, and its own phone line, 340-773-4600.

Christiansted, St. Croix. Photo: Prayitno, CC BY 2.0

A red-roofed historic building with an arched ground-floor arcade in FrederikstedArea photo

Marshall+Sterling, St. Croix

Last verified October 28, 2026

Marshall+Sterling's St. Croix office sits at 5021 Anchor Way in Gallows Bay, Christiansted, and the firm says its Virgin Islands history began with this island, where it opened its first office in 1967.

Frederiksted, St. Croix. Photo: Prayitno, CC BY 2.0

St. John

A VITRAN passenger ferry docked beside the orange-roofed ferry terminal and beach in Cruz Bay, with a rainbow over the green hillsideArea photo

Marshall+Sterling, St. John

Last verified October 28, 2026

Marshall+Sterling has a St. John office at The Marketplace in Cruz Bay, part of an insurance agency network that also includes offices on St. Thomas and St. Croix.

Cruz Bay, St. John. Photo: anoldent, CC BY-SA 2.0

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