Re: Boat Towing; Redux
It's all situational. A boat towing service makes sense for some, not for others. Large boats offshore, absolutely. Small boats inshore, it depends. Look at economics, access and back-up.
Economics:
First, most boat insurance policies cover your cost of towing, up to a certain amount, maybe $600. So you already have it and are already paying for it.
Second, the tow companies will tow you if you are not a member. You just have to pay full freight.
So let's say your a member for 4 years at $150/year and you get towed. The tow would have cost you $800. Instead it cost $600 (dues for 4 years). If didn't have it, you pay $800, your insurance pays you back $500, the tow cost $300. You saved $300 not being a member.
Access:
If you can't reach them by phone or radio, then no point in having it. A 3 mile limit makes no sense either. You really have to overlay your service and your boating area.
I keep the numbers of both services in my boat, and know their home base (they charge from the time they leave their dock). if I need a tow, I'll call the one closest at the time. That's for around home, where I may be 20 miles from my home base. But when I go to a remote area elsewhere, there are no tow services available. I spend about half my boating in each location, so a membership would only help me half the time.
If you need a tow once a year you have bigger problems to solve before you go out again.
Back-up:
If you are in a small boat in an area with lots of other boats around, and they are boaters, not just boat owners, who help out other boats, you have the back-up of waving someone down. In my case I have friends and family on the river I could call if I had to (and they can call me).
But if I was going out alone on weekdays in the winter with no one around, it would be different (except the $ thing).
I have heard stories here where people had to call the towing service to get a mile tow to the dock, with other boats around. That's just sad.
You may have a kicker; you may be where it is feasible to get to shore for help, or to paddle/row/shove/drift to home/help, what boaters have done for generations, and still do among the adventurous. Or you may not be physically able to help yourself.
The only answer to the question is: it depends!