compare what is offered i have vessel assist and i pay more than 53 bucks i have the captians gold unlimited with ocean coverage i pay 145 a year with trailer tow coverage. call them both and ask the same questions and see who has more bang for the buck. i prefer vessel assist and alot of havasuers prefer sea tow. its all the same to me. i dont care what happens to my boat (not really) cause i dont care where i am ill get towed in for free. if i need a jump in a cove some where its free out of gas is free. soft groundings etc etc all free. and im covered 50 miles offshore for all the above also. not worried a bout cell service cause i have ship to shore radio also. good luck with your choice. for 140 or less a year its great insurance and i think all should have some form of coverage.