I think the insurance mostly covers damaged or lost packages but not the actual item within the package. Again I could be wrong but I think purchasing insurance covers you in the event that the package is lost or destroyed prior to delivery.
I.E. if you insure a package for $1,000 and it drops off the tracking system and can't be found, you have a viable claim. Same if the package is run over or something and the contents are damaged. In cases of theft I think the signature will determine if the item was delivered correctly, and if it wasn't then the post office has an obligation.
I don't think insurance covers you in the event that someone says they got something other than what you shipped inside of your package.
Last edited by packs; 12-16-2014 at 02:54 PM.
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