Guardian Insurance Company, St. Thomas

Guardian Insurance Company is a property and casualty insurer that, according to its website, was founded on St. Thomas in 1984. 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 on the lot, household belongings under a general limit, limited living costs if a covered loss leaves your home unlivable, and personal liability. On St. Thomas the company lists four offices: Havensight at 9716 Estate Thomas, Red Hook Plaza, Tutu Park Mall and Lockhart Garden. Its site does not spell out how hurricanes, windstorm or flood are handled, so ask whether windstorm is included, how the hurricane deductible is set, and whether you will need a separate flood policy. Because Guardian is an insurer rather than an independent agency, compare its terms with quotes from a broker.