UPS and fedex insure up to 100 free, usps is 50. I don't buy extra insurance when shipping things as I have a biz and ship enough that the money I save not buying it will pay for a few hundred dollars of damage/lost packages should that occur, which, it almost never does....which, again, is why I don't buy extra insurance. That said, it is on the seller to get the item to the buyer as advertised. Lost or damaged? That's on you after the shipper pays their 50 or 100 bucks. Either accept this when declining insurance, or add the cost of insurance to the shipping quote.