BoatUS will cover every boat you own for $72, the $158 is for their saltwater plan.

http://www.boatus.com/towing/services.asp

My question is, does anyone know what an hourly rate is for the companies on the Western end of the lake? The insurance policy on the boat will cover up to $500 for a tow, which is more than enough if it's $100/hr, but if they're getting $200+/hr, that extra $72 a year isn't looking too bad.

I do know the clock starts from the time they leave their dock and runs until they get back to the dock, I'm guessing it would take a minimum of 4 hours where we're usually fishing (assuming they're coming from Port Clinton). So if it's $100/hr, $500 should suffice. If it's $250/hr, if I get towed once every 5-10 years, the membership pays for itself.

Does anyone know what the hourly cost is for some of these services?