I'm rather paranoid about insurance when I sell. 
I normally insist that insurance be bought. I 
don't want to have to pay people back. And more 
times than not, when I undercharge someone, I pay 
out of my own pocket to cover the 
insurance/confirmation tracking.

I don't need any extra trouble from 
eBay/Paypal/whomever when a package is banged up 
or lost. Best to pay a few cents outta my own 
pocket than to put up with so much hassle if I 
don't and something gets lost.

~Nabs-chan