Who is best for a coastal cruiser? I am struggling to figure out who is the best deal/best services and asking them for help by email is an exercise in pulling teeth. Their lack of willingness to answer questions makes me nervous about both.
I suppose one question might be--Under what circumstances would I need a tow or "rescue" from TowBoat US or Sea Tow? And then: Is that service actually offered and at what cost? So, coastal cruising. Along which coasts and how far from shore? What nautical mile range would your towing contract cover and to what destinations would you be allowed to be towed? What alternative "public" services function in that range?
Let's start with an "emergency" at no more than 30 n.mi. from shore. If a life-threatening medical emergency the USCG would dispatch its assets and/or organize dispatch of other available assets--so, that is not something for which one needs a towing service. If sinking outright, or being driven ashore with no control over the vessel (e.g., lost of steerage), then that's something your service and the USCG would likely coordinate assistance for if you have a service. If "non-emergency" like being stuck aground somewhere and the boat is not in imminent danger of being destroyed, then you'd need the service b/c the USCG would not come and pull you off and you could eventually lose the boat. This would be salvage and w/o insurance--$$$$ to your wallet.
Other non-emergency break downs: loss of steerage with sea room, rig failure, loss of engine power (what ever reason), & perhaps seasickness. A sailboat has two sources of power, so if one goes (the rig or the engine), the other should be available. A sailboat might have 3 alternative steering systems assuming the rudder is not lost: the wheel, the emergency tiller, and the autopilot if installed below decks. If an engine-crippled sailboat arrives at a harbor entrance and cannot safely enter under sail, the harbor patrol will come out and tow you in--so, do not need a towing service there.
The only other thing besides being stuck aground that I can see where you absolutely might need an insurance, member-enrolled (prepaid), towing service if owning a sailboat would be when you're sitting 5, 10, to even 30 n.mi. offshore and there is
no wind, your
diesel won't start b/c the battery is dead (or other reason)
or is overheating so you cannot run it long, it's sloppy,
your crew is puking and
you want to get home--then you might wish to call TowBoat US and ask for help--b/c
there would be no one else.
Disclaimer--I have towing insurance (TowBoat US-Vessel Assist) for the past 17 years that I've never had to use.