Join Date: Apr 2003
Location: Rock Creek, Maryland
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Towing options in upper Chesapeake
Towing insurance can be thought of as peace of mind insurance. It is a very individual thing that is very hard for us to advise you on. It is very true that any tow will end up costing mega bucks as the tower charges from the time they leave their dock to the time they return and all points in between. Then they have to find you out on the sea (We are that white sailboat up by where the river meets the bay) which can take a long long time to do. It's not that easy. So if you anticipate needing / using tows, the unlimited is very economical.
However, I find it is about how resilient and capable you are. You might need a tow to dislodge you from a shoal or because your engine failed. I find that in the very rare occasion we have gotten our 5' of draft stuck in a shoal, we have been lucky enough to have had the kind assistance of a power boater who pulled us off or have been able to kedge ourselves off in Fairlee Creek's entrance channel. If you have a mechanical problem, you rely upon your ability to repair at sea or sail to port. Diesel engines are pretty foolproof and you need to be able to change filters and bleed the engine under way in rough conditions as air and clogs are the #1 cause for breakdown. Gas is more complicated but, again, a lot depends on your ability to manage what occurs out there.
Since you say you never venture far from your home port, it would seem you really don't need much but it all depends upon your confidence level in being able to handle issues on your own. You are, after all, your best safety net. But $125 is not too expensive for piece of mind protection and that is what the insurers are all about, right?
I too sail out of Rock Creek and love the areas around for cruising destinations.
Sailing out of Rock Creek, Chesapeake Bay
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