most cases the buyer was dumb enough to file paypal dispute when they had a confirmed paypal address and USPS site shows deliverd.. my luck tho'
you do not need insurance if you can eat a certain limit say $40 but depends on each person if the package is lost
Also no matter what try on having a CONFIRMED PAYPAL ADDRESS - state on my ad that I wont ship unless it is confirmed as this has saved me from a lot of grief - that is my only policy on my TOS
if you cant lose the money YOU insure anything over YOUR limit - or Making sure you have confirmed address and DC -
even today a buyer was silly enough to as me where the package was - and when I sent the dc number with deliverd on it " her doorman" found it - Hello ? you ask the doorman before asking the seller - if she sent you email saying package was shipped??