It's much worse than that. Despite being a customer of over 30 years, without a single claim, State Farm refused to give us a US umbrella policy because we owned property in the BVIs. We switched, got far better insurance, at much cheaper rates and a max umbrella policy with another, better-rated company. Lloyd's dropped us after Irma - first claim in over forty years - but one of the syndicate members picked us up, with better coverage.

One thing you can do, is make sure all business related to your BVI property is handled strictly in the BVI. Don't use a US phone number or have checks mailed to the US, for example.