Sometimes a couple of tow charged to your insurance and they will choose not to renew your policy when that time comes around. Travelers did that to me way back when. Had one ligimate claim(with a tow) and needed 1 more tow($100) due to a faulty part(coupler) upon repair, and they ditched me at renewal time(1995). Just something to keep in mind, a claim is a claim in the eyes of the insurers, whereas a tow membership is different.
Oh and after reviewing my policy it was $34.00 for unlimited freshwater towing(boatUS) except 50% from your home dock to repair, unless you wanted to pay like $159.00 for unlimited gold which covered from home dock too.
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