I've decided to get insurance as a safety net. I havent had any problems, but dont want to take my chances. Who does everyone recomend for insurance. I would like to be able to cover my truck and trailer as well instead of carrying an extra auto policy. I only mow 20 yards, so I'm hoping to find something affordable. Anyone have any good companies. How much should i carry?? Also what kind of deductible?? I was going to check with Penn National, are they decent??