Towing and Assistance Coverage for Boats
When you’re out on the water, unexpected problems can happen—a dead battery, running out of fuel, or mechanical breakdowns. That’s where towing and assistance coverage for boats becomes invaluable. At Boat Insurance, we believe every boater should understand how this coverage works and why it’s worth adding to your policy. Whether you’re exploring inland lakes or the open ocean, having the right assistance coverage can save you time, stress, and money.
What is Towing and Assistance Coverage?
Towing and assistance coverage is an optional add-on offered by many boat insurance companies. It covers the cost of towing your boat to the nearest repair facility, delivering fuel, jump-starting your engine, or helping with minor repairs on the water.
It’s similar to roadside assistance for cars, but tailored for boaters. Policies from providers like Progressive boat insurance, Geico boat insurance, and State Farm boat insurance often offer towing and assistance as part of their packages.
Why You Need It
Imagine being stranded miles from the marina because your engine failed. Without towing coverage, you could face hundreds—or even thousands—of dollars in out-of-pocket expenses. With affordable boat insurance that includes assistance coverage, those costs are covered, giving you peace of mind every time you set sail.
Who Offers Towing and Assistance Coverage?
Many leading boat insurers offer this protection, including:
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Progressive insurance boat policies with on-water assistance programs.
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Boat US insurance, which specializes in marine towing coverage.
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Geico boat insurance with nationwide tow networks.
By comparing boat insurance quotes from different providers, you can find the best boat insurance plan that fits your budget and boating habits.
How Much Does It Cost?
If you’re wondering how much is boat insurance with towing coverage, the answer varies. Adding assistance coverage typically increases boat insurance prices slightly, but the added security is worth it. On average, boat insurance cost depends on your location, boat type, and coverage level.
For example:
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Boat insurance Florida policies may cost more due to year-round boating and higher risk of storms.
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Inland boaters may find cheap boat insurance with towing add-ons for a minimal fee.
What’s Covered Under Boat Towing Assistance?
While coverage details vary by provider, most boat insurance companies include:
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Towing to a repair facility if your boat becomes disabled.
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Fuel delivery if you run out while on the water.
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Battery jump-starts to get you going again.
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Minor mechanical assistance when safe and possible.
Your boat insurance agent near me can help you understand the limits and exclusions of your plan.
Do You Have to Have Insurance on a Boat?
In many states, you’re not legally required to have boat insurance. However, marinas and lenders often require proof of coverage, and having towing assistance is a smart precaution. Even if it’s not mandatory, protecting your boat with insurance boat insurance ensures you’re covered for accidents, theft, and breakdowns.
How to Add Towing Coverage to Your Policy
Getting this coverage is simple:
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Request a boat insurance quote from your provider.
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Ask about towing and assistance add-ons.
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Compare boat insurance rates to find the best deal.
Whether you search boat insurance near me or explore national providers, adding this coverage can be a small price to pay for big protection.
Final Thoughts
Towing and assistance coverage is one of the smartest investments you can make for your time on the water. At Boat Insurance, we recommend every boater consider it—especially if you cruise in remote areas or rely on your boat for long trips.
From Progressive boat insurance to Boat US insurance, there are plenty of options to fit your needs and budget. Compare boat insurance quotes, talk to your boat insurance agent near me, and choose a plan that gives you confidence every time you leave the dock.