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<p>[QUOTE=&quot;Marie Forjan, post: 3788028, member: 147&quot;]I insure everything, it is my responsibility to get the item purchased to the buyer in the condition stated in the listing. I see insurance as protection for me as a seller.</p><p><br /></p><p>In the many years I have been selling I have only had to file a claim once.</p><p><br /></p><p>The past 10 years or so I self-insure lower priced items. I find myself much more reasonable than the PO or 3rd party insurers. Every time I sell something $50 or under (unless it ships Priority which comes with insurance included) I throw $1 in a jar. I have only had to pay myself once since I started <img src="styles/default/xenforo/smilies/smile.png" class="mceSmilie" alt=":)" unselectable="on" />[/QUOTE]</p><p><br /></p>

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