- Villa Blanca (St. Thomas; tel. 800/231-0034 or 340/776-0749; www.villablancahotel.com): Small, intimate, and charming, this inn stands on 3 acres on a hill overlooking Charlotte Amalie. A homelike atmosphere prevails, and there's a freshwater pool. The one con: You'll have to drive to the beach.
- 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.
- Breakfast Club (St. Croix; tel. 340/773-7383): The best-value B&B on St. Croix is a 1950s compound of efficiency apartments, in addition to a stone house from the 1930s. Each unit comes with a kitchenette. A sense of home prevails, with guests gathering around a hot tub on a raised deck. The breakfast is better than what you might find at most hotels.
- 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.
