• Villa Santana (St. Thomas; tel. 340/776-1311; www.villasantana.com): At this country villa, originally built for a Mexican general, all rooms are suites. In honor of its previous occupant, the decor is Mexican. There's a pool, a sun deck, and a garden.
  • Garden by the Sea Bed & Breakfast (St. John; tel. 340/779-4731; www.gardenbythesea.com): Overlooking the ocean, this is a small but choice B&B on the least populated of the major U.S. Virgins. With easy access to beaches, it offers beautifully furnished bedrooms with elephant bamboo canopy beds and Japanese fountains. You get style and affordable prices -- not bad.
  • Villa Greenleaf (St. Croix; tel. 888/282-1001 or 340/719-1958; www.villagreenleaf.com) is the best B&B on land, a snug family retreat in the style of New England inn-keeping. Personal service and an elegant ambience combine in this 1950s building, where life proceeds as in a private home.
  • Carringtons Inn (St. Croix; tel. 877/658-0508 or 340/713-0508; www.carringtonsinn.com): This was once the grand home of a wealthy island family. It has since been converted into one of the most appealing B&Bs in the U.S. Virgin Islands. Personalized attention and comfortable surroundings are hallmarks. Some of the individually decorated bedrooms boast king-size canopy beds.

Note: This information was accurate when it was published, but can change without notice. Please be sure to confirm all rates and details directly with the companies in question before planning your trip.