I'm off to Anguilla with my husband for 5 nights starting on August 18th and have a few questions.- Should we purchase travel insurance in case the we

Going to Anguilla for the first time

I'm off to Anguilla with my husband for 5 nights starting on August 18th and have a few questions.

- Should we purchase travel insurance in case the weather spoils the trip?
- How bad _is_ the weather at this time of the year anyway? (we're going regardless, I just want to know what to expect)
- Should we rent a car?
- Should my husband bring a jacket for the restaurants (ie. how formal is it)?
- We continue to St Barth's after Anguilla - what time of day is it best to leave for St Martin, if we take the ferry?

Thanks so much for your help!