Shield Insurance

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. Its personal lines include homeowners, condo, secondary home, flood, builder's risk, boat, auto and life coverage, and it offers short-term rental insurance aimed at owners who rent through Airbnb or VRBO. The agency's flood page points out that homeowners policies do not cover flood, that flood cover is a separate stand-alone policy, and that most new flood policies have a 30 day waiting period. Business lines include commercial property, general liability, contractors and bonds. If you plan to rent a home to visitors, ask how a vacation rental policy differs from a standard homeowners policy. Ask too how windstorm damage is covered, what the hurricane deductible is, and which insurance companies the agency would place your cover with.