sign up with one unless you wanna spend alot of money.
yet again
The Coast Guard will NOT tow you unless someone's life is at risk.
Even then they may remove the injured person and hang out with you waiting for SeaTow.
We use boat us as we get a .10 discount on our gas at our marina. Also get unlimited coverage if you go offshore. $112 a year but the gas discount usually pays most of this. We have used it twice in 7 years, one tow would have cost $450, the other $750. The $750 tow was in DEc. (off season rates) and there was no boat us boat in the area so they contracted sea tow to come and get us. Well worth the $.
I have used them boath. Sea tow has unlimited towing. Boat us has a restriction. If you fish stellwagon or at least 50 plus miles sea tow has a better plan. I have had to use both and they are equal is service.