Never boated on the big waters until 1 time 2 yrs ago on Erie at Put-In-Bay, so tow insurance was never a factor. Hit a reef, lost a lower unit, called for a tow. Boat US towed us 1 1/2 miles back to the marina and handed us the $1800 bill. After the hyperventalating stopped from the bill shock, we 'negotiated' him down to $1200.
If ever I was to go back, have no plans to though, tow insurance will be bought.