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insurance required changed to included

Has anyone else had this problem: I selected insurance required when posting my listing but it shows up on eBay as included in s/h? I had to revise my active listing through eBay and change it to optional just to avoid the included in s/h. I suppose I could have included it and raised my s/h charge, but for expensive items that don't weigh much it would have appeared to be a high s/h cost.
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