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When visiting the USVI, you can either stay in a Virgin Island hotel or a local B&B. Local B&Bs, while sometimes considered taboo in the US, are a beautiful way to see the island in a different way.
You can usually find a good recommendation for a B&B by visiting a specialized travel agent who focuses on locally-owned accommodations. These agents will forge relationships with local owners on the Virgin Islands, and be able to point you to the more reliable and reputable independent owners.