The need for additional Towing insurance?

I have State Farm for all my vehicles. I’ve used it 3 times. First time was a passenger car. I had it towed to my dealer rather than the closest service. Policy paid abut half of tow. My agent cut a check out of his agency account to reimburse me for the rest. Second time was 33 ft Class A. Had a hell of a time finding someone who could tow it. Had to come from long distance. Actual tow was just a few miles. Bill was $750. They paid it all. Third time was 36 ft class A, blowout in middle of night. They found me road service that brought tire and changed it on the roadside. Back on the road about 3am. Total out of pocket for tire and service $100 plus tip for the old boy that worked his butt off changing that tire.