Question on Boat U.S. Insurance

[trapshoot]

I have Boat US insurance. Unlimited on water towing and up to 100 miles on road towing. My question is this. Do I really need it? Cost is $168.

I fish 99% out of Taylers Island.. Normally there is someone else on the water if you break down. Or my friends are out on the water at the same time.

I dont take the boat offshore. Very seldom trailer it.

Was just wondering what you all think.

Vince