Shells are a big deal in Another Crab's Treasure. Not only are they your primary source of defense, they also give you special abilities for combat. Therefore, if you find your favorite shell, you won't want to let it go anytime soon.
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Luckily, there is a way for players to insure all of their grenades, so you can be sure (get it?) that you will never lose your favorite house.
Normally, when you die in Another Crab's Treasure, you lose the shell you were carrying when you respawned. To get your shell back, you must visit the location where you died and pick it up. However, if you die before retrieving your junk, that shell is gone and you must find another one in the wild. Some shells only spawn in a handful of locations, making them difficult to recover. Shell Insurance allows you to respawn with any shell you have insured.
To insure a shell in Another Crab's Treasure, you'll need to have reached the sparkling city of New Carcinia and visited Shellfish Desires in the Upper Crust. Speak to the Shellfish Greeter, who will then give you the option to insure any shell you've collected. This process will cost you Microplastic, however, and some shells are more expensive to insure than others.