I have Sea Tow. For $130/year, it will cover you on any boat that you are running. Since I have 7 boats (if you count jet skis), that was the policy for me. I had to use it once last year, and just the peace of mind it brings is worth the money. Before I had towing insurance, if the boat wouldn't start ont he first touch when I was offshore, I could feel my heart headed up to my throat.