I use Shelter Insurance for my car & home insurance. Although I don't own a boat or recreational vehicle, I have friends that do and they have coverage with Shelter Insurance as well. I found my local agent to be very friendly and helpful in obtaining insurance. He looked at my previous coverage & matched it with a better price. He explained the difference between Liability only coverage-where someone I hit would be covered, but not my own vehicle-and what many call full coverage but is actually a comprehensive policy where both my vehicle & the other vehicle is covered if I am at fault in an accident....