We had Allstate for twenty years. Last 5 they went up at least 10 percent every year. No claims.
Went with Farm Bureau, They were cheaper by 20 percent the first year and dropped another 5% last year.
I have a Big Dog alpha 42" for the last 3 years. Made by Hustler. This is there residential line. Built like most companies commercial lines. 7 year warranty on parts. Has been flawless so far. The only down side is this line now runs Briggs engines.
Mine has the Kawasaki engine. They do still...
One other thing to check with a mechanical pump. There is a possibility to leak gas from the inside of the pump into the crankcase. The diaphragm can leak internally into the engine.
mhg