We have tow insurance in our yatch policy but I also buy US boat tow. The reason is if I ever need a tow I want it now. USboat is in most major marinas so their response is quick. I also buy because of Murphy Law.
True story
We where anchor out behind UofW husky stadium for opening day. Being we were one or the biggest boats so smaller boat tied off to us. The wind came up and we dragged anchor and went soft a ground. The lake union police where out in force and just days before float into their docks, so sort of knew us. So I begged pleaded with them to give us a tow to deeper water. That is the second time we met the Lake Union police.
There are several more so the Eagle was well known by the police. Like the time we tried to sail the Eagles with a steading sail.