Guardian Insurance Company, St. Croix

Guardian Insurance Company is a property and casualty insurer founded on St. Thomas in 1984, according to its website, and it lists two offices on St. Croix: one in the Sunshine Mall at 1 Estate Cane, with a Frederiksted address, and one in the Sunny Isle Shopping Center, with a Christiansted address. Its U.S. Virgin Islands products are auto, residential property, commercial property, general liability and surety coverage. The residential property page describes cover for the main dwelling, other structures, household belongings, limited living costs if a covered loss makes the home unlivable, and personal liability. The site does not say how windstorm or flood are treated, so ask whether hurricane damage is covered, what the deductible is, and whether a separate flood policy is needed. As Guardian is an insurer rather than an independent agency, compare its terms with quotes from a broker before you commit.