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Eric BThanks Chris! I did not know that. Here are the link and sentences about insurance.
http://pages.ebay.com/help/policies/listing-shipping.html
Insurance: Sellers offering insurance may only charge the actual fee for insurance. No additional amount may be added, such as “self-insurance”. Sellers who do not use a licensed 3rd party insurance company may not require buyers to purchase insurance. This is a violation of state law.