Typically boat insurance policies provide coverage for towing and emergency services. Some policies may automatically include the coverage while on others it may be optional. Towing coverage may only be provided while on the water or may provided while on water or land. Towing provides coverage to the nearest place where necessary repairs can be made. This may not be to your repair facility. Emergency services include such items as delivery of fuel, oil, parts, battery and emergency labor while away from safe harbor. The cost of parts, batteries, fuel or oil is not included. Amounts covered for towing and emergency services coverage varies by company. It may be $0 to $10,000. The amount of coverage for most companies is per occurrence but some companies use an aggregate limit.