Skinny- No one wants to think about being towed but having piece of mind (just in case) is a lot better. I'm out of Geneva and have had ins. for 12 yrs. As luck would have it, I lost my outdrive last fall and had to call the tow truck. Never used them before but sure was glad I spent the$$. Was 6 miles out in 2-3's and they (Marine Assist) responded promptly and towed me back to the dock. Had 4 boats come to my aid after seeing distress flag (thanks guys) but none could tow. Don't leave home without it .