Our towing insurance is the second engine under the floor.
. That and the fact that help is a long run away in our more northern waters have caused us to conclude that towing insurance would be money better spent in other ways.
Based on the experiences of several boating acquaintances over the years, the strong currents here and the often narrow passes and channels makes a spare engine far more valuable than towing insurance in our opinions. We know people whose second engine kept them off the rocks when the other engine had to be shut down, and we know people whose one engine had to be shut down and their boat went on the rocks or the mud long before any sort of towing assistance could arrive on the scene.