Stranded on the Water? Make Sure You’re Covered!

Breakdowns on the water can happen when you least expect them — but that doesn’t mean you have to be caught unprepared.
At HH Insurance, we want to make sure you know what towing coverage is, why it’s important, and how it can save you from a costly and stressful situation.

What Is Boat Towing Coverage?

Boat towing coverage is an add-on to your insurance policy that helps pay for towing services when your boat becomes disabled. Whether you’re stuck on a sandbar, out of gas, or facing engine trouble, towing coverage can get you (and your boat) safely back to shore — without a huge out-of-pocket bill.

There are two main types of towing coverage to consider:

On-Water Towing: Covers jump-starts, fuel delivery, soft ungroundings, and towing when your boat breaks down on the water.

Off-Water Towing: Covers your vehicle and trailer if they break down while you’re hauling your boat, like flat tires, battery failures, or getting stuck.

Why It Matters

In Florida, the average tow can cost between $850 and $2,000 — depending on how far you are from the nearest marina. Without towing coverage, these expenses come straight out of your pocket. With the right coverage, you can enjoy your time on the water knowing help is just a call away.

Review Your Policy

Coverage details vary from one insurer to another, so it’s important to review your marine policy. Check if you have both on-water and off-water towing protection, and know your policy limits so you’re not surprised by out-of-pocket costs.
If you’re unsure whether your current policy includes towing coverage — or if you’re considering adding it — reach out to our team at HH Insurance. We’re here to make sure you’re fully protected, no matter where your next adventure takes you.

Stay safe and happy boating!

**This blog provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverage. These definitions do not alter or modify the terms of any insurance contract.