VB is a much rougher surf than HHI, but you can swim at both. VB does not have lifeguards, but on the north end of the beach there are lifeguards at the public entrance to the beach and we have seen them manage the swimmers in front of the VB resort at that end. We've been impressed with their diligence in managing everything they can see. We've seen them hop on an ATV and come halfway down the VB beach and whistle in swimmers.
HHI (I believe) have guards. Plus the surf is very small and much more acceptable for little-ones.