With what company was the property previously insured?
For us, Marshall Sterling let us continue the previous owner's hazard/hurricane policy without new underwriting. Our homeowner's policy covers long-term rentals - I believe we would need a separate liability rider for short-term rentals. Pools can be an issue as well to insure property used in either the long- or short-term market.
If you short-term rent through AirBnB, AirBNB's US liability policy works in the VI.
If there is no structure in the flood zone on your property, what would you be insuring - maybe tsunami threat? In FL, most flood insurance is underwritten by FEMA and purchased through any affiliated insurance agent.
Auto - Marshall Sterling as well.