Phil, there would be a heck of a "co-pay" on that insurance, not to mention the premium! One time, we were boondocking up in the Sierras when a freak snowstorm came in and dumped on us -- we got out just in time (at 2 am!), but there were several other folks nearby who waited a little too long and had to call in the tow trucks the next day. The Ranger told us that each tow cost $500 -- these folks were way back in the woods, and there was more than a foot of wet snow. I don't know if the ranger was right about the amount, but I would not want to find out the hard way.