Towing insurance can be a good thing
I have a good friend who operates a 6' draft boat in a shallow channel. He wisely subscribed to the unlimited Sea Tow plan--said it was about $140/year. I was with him when he got stuck so bad it took two tow boats to pull him back into deep water. He has called them out on at least one other occasion. I hate to think what all this would have cost on a per-incident basis.