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Auctiva shipping insurance.. don't understand

Hello everyone.. I just received an email today about owing acutive 5.00 or more for shipping insurance options.. what is this and why do I have to pay when everything else is free... I went on auctiva and saw where they disabled me to use shipping ins, but here is the thing.. I don't remember using it and Want to find out the breakdown why the 5.00.. thank you..
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