Re: What to do when engine dies???
towing is not complicated at all, especially for a boat your size. No real boater would worry about it, other than the time. The key is to make a harness on the tow boat from each stern cleat/eye so that you are towed in the center. There have been discussions in the past where posters freaked out over towing just jonboats, so take it with a grain of salt.
every boat should have a paddle.
Take a live class. There is no substitute if you are brand new to it. Maybe you will find an experienced boater to go out with you the first time; that is the best thing.
On the insurance thing, maybe my post was confusing. My insurance will pay up to $600 in towing, no charge. So if I got a $800 tow, I would be out of pocket $200 that year. If I paid $150 a year EXTRA for towboat coverage, I saved $50 that year but would be losing money unless I used it about once a year. I'm 52 and have been on the water all my life, usually in old and cranky motors; never needed to call a commercial service (now watch what happens--Godsmack!) so I have "money in the bank" if I need it. so Dingbat, check your policy and see if it already pays for towing, even if not 100%, and compare your $115 x # years with the cost of those 2 tows.
But everyone's situation is different. If I went offshore a lot, or had a larger boat that a friend couldn't tow, I'd do differnently. A good part of my boating is in small boats in a remote area where practically speaking there is no tow boat, just you, your paddle and shove pole. And sometimes the comfort is worth paynig for; even though auto insurance has towing, I still have AAA. Getting tow insurance is not a bad idea, just not for everyone--and overkill for a 11' boat IMO.