"$1,000,000 is not much money these days if an accident happens. Take it from me, I've been in litigation for 10 years. Freakish things happen, that's why they're called accidents.
Suppose for example your mower hits part of a metal clothes hanger or a rock hidden in tall grass, then it's propelled through a 50 yo man's eye and kills him. At 50 yo this man was in the height of his earning potential (let's just say 50k/yr. for argument sake). If his life expectancy is 74 years, then total lost earnings alone is $1,200,000. You're already underinsured !!!!!!!!!! That doesn't take into consideration other compensable losses for his family. Maybe he has a couple of children and a wife. Then what?
Or, you're out there trucking along on your hydro with your ear plugs in & as you pass by a vehicle parked in the driveway a 4 yo darts out & somehow gets a foot under your deck.........lifetime impairment rating. You get the idea.
Besides, I don't think any of us would want to NOT have a way to fix a problem we caused."
BTW, I pay about $600/yr. for the 1M coverage.
You can go to www.quotesmith.com for some online quotes to compare with your local insurance agent.
Also, take it from me I have seen 1000's of claims over the past 10 years and the single worst carrier in the USA is Allstate. That's not opinion, it's fact. If you ever need help on a big claim they undoubtedly not be there for you.