For Towboat US you can get plans starting at around $19 to cover $50. Now that won't cover any real tow but you will have number to call 24/7. That is worth $19 a year.
They will come out and get you and you will have to pay the difference. I had the $350 coverage about 5 years ago and they towed me back, it cost around $300.
This year I got the unlimited, I think it was still under a hundred. Plus Boat US supports boaters and fights boating restrictions.
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