I use BoatUS and whatever service they have, Towboat I think. If you get your Insurance through Geico (BoatUS) it comes with tow service membership. Never used them for a tow but Iíve often called and asked to be put in touch with a local operator for local knowledge when approaching a sketchy Inlet or Harbor. If there are tugs around Iíll usually try B2B first but sometimes they donít know about shallow draft areas. Just another tool in the box to choose from. Worth the $.
I believe the Tow insurance that comes with the Geico ( Boat US ) policy is $250.00, which wouldn't cover much. My 1st tow many years ago would have cost $800.00, Cost to me with the Boat U.S, Unlimited Tow Package was $0...
Both of the above statements that I bolded were once accurate, but have changed in recent years.
BoatUS insurance used to
include towing reimbursement at no charge, but it was capped at $250, which is next to nothing given towing rates. However, the options have changed significantly in recent years.
Option 1: Purchase a TowBoatUS membership, typically for around $125 per year for "Unlimited" service, though service levels and costs may vary in various places. This has been offered for many years, and covers you on any recreational boat that you are on at the time, as long as the owner is present. In other words, it covers you on any boats you own (only one membership needed even if you own more than one boat), and last time I checked it also covers towing of a friend's boat if you're a passenger and have your card with you. I believe it does not cover towing for a chartered bareboat because the owner is not present (and perhaps because it's considered a commercial vessel). I have had this for 10 years, and had a tow last year that would have cost more than my 10 years of premiums.
Option 2: GEICO/BoatUS now offers extra-charge Towing and Assistance coverage as part of the insurance policy, and it covers much more than $250. This is new in the past couple of years. It only covers the insured boat (not other vessels that you may be on). It is significantly less expensive (they quoted me $49). I am considering switching to this, but there are additional questions that need to be checked out. First, is the coverage unlimited, or is there a cap on the towing coverage? Second, does requesting a tow count as a "claim" that would eliminate BoatUS's "diminishing deductible" or otherwise increase your premiums in future years? (Option 1 does not impose any such penalties for using the service, which IMO is psychologically important since if you're in trouble you don't want to be worrying about how your rates may be impacted.)
One final comment: Be careful about asking TowBoatUS for local knowledge in advance. That could get you denied towing coverage based on "pre-existing condition" status. That happened to me the other day, and it is the very first time I have had a less than satisfactory experience from BoatUS. I felt like they hung me out to dry, and had to ask a friend to be on call in case I needed a tow.