Annaly Insurance Co.

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. Its homeowners and condo packages are described as covering fire, lightning, wind, theft and vandalism, among other perils. The agency also lists car, truck and motorcycle insurance, individual health insurance, life insurance and medical evacuation memberships through a partner. The website has an online quote request form, and phones are answered Monday through Friday, 9 am to 5 pm. Before you buy, ask which insurance companies it places homeowners cover with, how the windstorm or hurricane deductible is calculated, and whether flood cover can be arranged, because the site does not list a separate flood policy. If you are financing a purchase, your lender will usually want proof of cover before closing.