Your auto carrier is probably going to be the cheapest for things like theft fire etc. For a pitance no less. (Mine is 26 or 27 bones.. I forgot)
You SHOULD be insured for liability when towing under your auto policy umbrella at no extra charge.
Your homeowners will probably cover these thingsa when it is park in your driveway. You should check with your agent.
I have Good Sam for towing etc, simply because it covers more than AAA, and it blankets my car as well.
There are WAY too many services they give with the standard coverage, you should look at thier site.
I like the one that gets my Pups to safety or even HOME if I cannot while on the road.