On Sat, 22 Aug 2009 18:22:06 -0400, Gene
wrote:

My opinion is you need boat insurance AND additional towing coverage.

I agree with that and my preference is to have them totally separate.

Insurance companies have a bad habit of remembering claims and using
them as a reason to increase rates or deny coverage. SeaTow reserves
the right to cancel you for excessive claims also but I think you'd
really have to abuse them a lot before that happened.