Temporary Housing for Insurance Claims

Insurance Housing in St. Thomas, USVI

Reliable, fully furnished insurance housing with full kitchens for families and individuals displaced by storms, fires, or other covered events in St. Thomas, US Virgin Islands.

Trusted Insurance Housing Provider in St. Thomas

When disaster strikes in the US Virgin Islands, Sunset Gardens Guesthouse is a trusted provider of insurance housing in St. Thomas. We work directly with insurance companies and adjusters to provide comfortable, fully furnished temporary housing for displaced families and individuals. Our units are move-in ready with everything you need — from full kitchens to comfortable furnishings and linens.

Full Kitchens for Comfortable Extended Stays

Being displaced from your home is stressful enough. Every insurance housing unit at Sunset Gardens includes a full kitchen so families can prepare their own meals and maintain some normalcy during a difficult time. Our kitchens include full-size refrigerators, stoves, microwaves, cookware, and all dining essentials.

We Work Directly with Insurance Companies

Sunset Gardens has extensive experience working with insurance companies, adjusters, and claims departments throughout the US Virgin Islands. We handle direct billing, provide detailed invoicing, and can accommodate the documentation requirements of major insurance carriers. Our goal is to make the housing transition as smooth as possible.

Why Choose Sunset Gardens for Insurance Housing

Move-In Ready

Fully furnished units with linens, towels, full kitchens, Wi-Fi, and everything needed from day one — no shopping required.

Direct Insurance Billing

We work directly with your insurance company for billing, eliminating out-of-pocket expenses and paperwork for displaced families.

Full Kitchens

Complete kitchens in every unit — not kitchenettes. Full-size appliances, cookware, and dining essentials for family meals.

Flexible Stay Duration

Whether you need housing for weeks or months, we accommodate insurance claim timelines with no penalty for extensions.

Safe & Secure

Located at 500 feet elevation in a quiet residential area, our property is safe, secure, and family-friendly.

Pet-Friendly Options

We understand pets are family. Ask about our pet-friendly units when booking your insurance housing stay.

Available Units — All with Full Kitchens

Every unit at Sunset Gardens is fully furnished with a complete kitchen, perfect for short-term rental stays.

$149

+ tax and fees

Studio

B2/B3

Full Kitchen

$159

+ tax and fees

1 Bedroom (1-4)

A2/A3

Full Kitchen

$169

+ tax and fees

Deluxe

A5/A6

Full Kitchen

$199

+ tax and fees

2 Bedroom

A4

Full Kitchen

$229

+ tax and fees

3 Bedroom

A1

Full Kitchen

Frequently Asked Questions

Do you accept direct insurance billing?

Yes. We work directly with insurance companies and adjusters for billing. We provide all necessary documentation, detailed invoices, and W-9 forms.

How quickly can a unit be available?

In most cases, we can have a fully furnished unit ready within 24-48 hours of confirmation. In emergency situations, we do our best to accommodate same-day requests.

Do all units include full kitchens?

Yes. Every single unit at Sunset Gardens has a fully equipped kitchen with a full-size refrigerator, stove, microwave, and all cooking and dining essentials.

What size units are available for families?

We offer studios, 1-bedroom, 2-bedroom, and 3-bedroom units. Our largest unit accommodates up to 6 guests, making it ideal for families.

Is there a minimum stay for insurance housing?

We offer flexible terms. While we typically see insurance stays of 2 weeks to several months, we have no strict minimum for insurance claims.

Ready to Book Your Insurance Housing Stay?

Contact us today or book online. All units include full kitchens and stunning harbor views.

Family owned & operated guesthouse offering corporate housing, insurance housing, workforce housing, and short-term rentals in St. Thomas, US Virgin Islands.

Contact Info

11-4 Contant, St. Thomas, USVI, 00802