Question on Boat U.S. Insurance

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You got to weigh the pro and con.
If you ever need it - it is a good deal.
If you never use it - kinda money wasted.

Although it is discouraged - I still tow broken down boats in. That is the old school way - help each other out.

You could put the $168.00 in a savings account - in 3-4 years you'll be able to cover most tows by a commercial crew if needed.

Shop around - some boat insurance will include a limited ( $500.00 ) tow for free.