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Anthony N.In my opinion it's the buyers responsibility to get payment to the seller, and the sellers responsibility to get the merchandise to the buyer. I always include insurance (and delivery confirmation/signature confirmation if paid via paypal, per their rules) as part of the shipping cost. It's there to protect me, but is part of the transaction and is a cost covered by the buyer.
When shipping is included in the price/offer I still always include insurance.
If you're doing a lot of selling you might consider using collect insure to cover it. Sorry this has happened to you.