On Aug 22, 9:58*pm, Wayne.B wrote:
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.

I have a friend who had his boat towed from his dock to another marina
and Boat US paid for it. It was about 15 miles and would have cost a
fortune. The only time I ever needed my towing insurance, I forgot I
had it and went through all sorts of "get off the sandbar" schemes
before someone came by and pulled me off. I guess sailors figure
there's nothing more shameful than getting pulled of a bar by a
powerboat.
I'd say the BOAT US unlimited towing for $150/yr is such a good deal
that you'd be foolish to not have it.