I have been reading a few posts that lead me to believe that I'm either under-insured or paying too much for the liability insurance I now carry. I work solo (mow, trim, edge, blow, go) in small sub-divisions with, what I consider, very small risk. Most of my accounts are absent from the property when I work. I rarely see anyone "out and about" while mowing. I have literally had to pause only once in two years while a pedestrian passed on the sidewalk. I pay $319 for $200,000 coverage. Your impressions?