How does membership differ from boat insurance?
Although commonly referred to as such, a Sea Tow membership is not insurance. It's assurance. We'll come to your aid when things go wrong -- towing you home, delivering fuel, or pulling you off a sandbar so you can get back on your way. It's our job to help ensure your safety and we take that seriously.
Boat insurance is intended to protect very significant investments -your boat, electronics and gear, etc. - because disasters strike unexpectedly. Many boaters choose to skip the insurance, but it is a huge risk to be left without the means to repair or replace the boat you've worked so hard to acquire, let alone handle legal costs should you be faced with lawsuits after an accident.
Having boat insurance is as common sense as maintaining a Sea Tow membership - the two are intended to work together to ensure your boating needs are met in unexpected situations, however minor or major they may be.
Should I join if there is no Sea Tow in my area?
Yes. If you are in an area where Sea Tow is not yet operating, you would be covered under our Universal Towing Coverage, providing reimbursement up to $5000 per incident with no annual limit.
Does my membership cover me if I am a guest on a friend's boat?
If the owner of the boat is onboard your membership privileges do not apply. However, if your friend joins and references your member number you earn a $25 credit toward your next renewal through our Refer-a-Friend program.