There are villas on the water in Jolly Harbor,
Antigua.
Current COVID protocol is pretty lenient there. Some villas have docks or you can take a $25 US/day, or the marina for more.
Anchoring out in Jolly Harbor is easy with a good modern
anchor. If a
hurricane comes your way either sail to a safe harbor, usually south or haul at the marina and tie down. Off season rates for long term rental can be attractive and some villas are
for sale, affordable. Golf carts are available long and short term.
Jolly is well protected on three sides my high hills and the approach takes you well inland in a complicated, long waterway. We are currently
on the hard there and relatively secure up to Cat 3.
Sailing around the island is nice with many
anchorages even on the east side. These are protected behind divable
reefs, clear water.
The concern I have is sailing a 28 foot boat to the Caribbean in storm season. It’s a long haul upwind from the US. This is no joke as the prevailing winds are about 98% East +/- 10 degrees. Most of us do the transit from Hampton, Virginia in November by heading to sea to make 60 degrees west longitude or less before turning south. For the big boats this 1500 miles is 7-14 days. You will be island hopping on selected good days.
Consider a villa without your boat to get a look. Just so you know,
Antigua caters to cruisers and mega yachts. In season, November to June, the place is hopping.
English and Faulmouth Harbors are loaded with hundreds of boats and the docks may have around 50 yachts over 200 feet. Off season the rugs are rolled up and many restaurants etc closed for the season. The Antigua Yacht Club in Faulmouth Harbor remains active and a very affordable
membership allows you to use the shore facilities, showers, toilets and check out the many small boats available to members. Maybe an Air B&B or off season resort near Faulmouth and a club
membership would suit you both.
There are of course places a bit closer to the US but you did say Caribbean.