On Caye Caulker there are quite a few east side beachfront places with air conditioning. Auxillou Beach Suites, Diane's Beach House, Caye Caulker Condos and Treetops, to name a few. On the leeward side there is Lazy Iguana Bed & Breakfast (in my opinion, the best value for the price) and Iguana Reef Inn. As long as the tradewinds keep blowing, we don't have a problem with bugs. The island is about 1/4 mile wide in the populated area. You can click thru to most of the hotels I mentioned above at www.cybercayecaulker.com
--Lee