Innkeeper Hazel Lowe has the warmth and personality that bed-and-breakfast aficionados dream about; she will go out of her way to make sure your stay at her pristine home is extraordinary. Her house and its cottages rest directly on a secluded bay adjoining Hamilton Harbour (as well as being a stone's throw from the ferry). You'll also make friends with the rest of Ms. Lowe's family, cats, and ducks! A cozy lounge inside the main entrance has a real fireplace and more than enough books to keep you going. Returning patrons constitute 95% of guests. First-timers, "whether they like it or not," are given insightful tips by Ms. Lowe on the best of Bermuda. Four waterside cottages have shaded patios and lounge chairs, bedrooms, sitting rooms, and full kitchens. You can fish here and cook your catch, read on a lawn hammock, or have tea with Ms. Lowe.