I'm sure others will join in and offer advice in regard to several of your questions. In regard to insurance, I think that all will agree - It is a must. It may be considered (by some) to be one of the greatest wastes of money you will ever spend - simply hoping that nothing will happen. However, the peace of mind and security that comes with insurance is reason enough alone. If you turn the bend, swing a corner, and fling a rock and hit someone or something (simple example), the consequences could be severe. Someone coming after you for a resolution could cost you. Do you have a few hundrd thousand laying around? Most do not. If you find the right agent, they can match your policy to your needs. It is an expense worth paying. I'm sure if you search this site and simply search for insurance topics, you will find a wealth of information.