[WarHoundR69]

Insurance is for the protection of the seller not the buyer and savy buyers know that. As a buyer I never pay for insurance.

When I sell items, I "SELF INSURE" for items less than $100.00 (Although I still pay for DC) meaning that if the item is lost in the mail I make a refund myself (Happened once in over 500 transactions).

Between 100 & 250 I try to judge the buyers character via his FB score (Haven't been burned to date) and 95% self insure.

Over $250.00 you have to insure plus get signature confirmation due to Ebay PP buyer protection rules. Protects you from scam buyers. Build the cost into your opening bid.

With repeat buyers who I know won't try to pull a scam I even skip the DC cost, and pass the S&H savings on to them.