> Can you ever think of a situation where a
> seller is justified in insuring a package (at
> your request) for only 1/8 the total value of 
> its contents (much less resist filing any 
> insurance claim for that grossly undervalued
> coverage)?

(I might repeat something others have said since 
I've not read all the posts in this thread. . .)

In the past, I have occasionally asked sellers to 
underinsure packages -- usually because the value 
is a minimal amount over whatever the closest 
insurance tier is before you get charged more. In 
that case if something happens, it was MY decision
to risk sending the package partially insured.

But if I ask for a pacakge to be fully insured, 
then insuring it is the seller's responsibility! 
If they underinsure the package and it becomes 
damaged, then the seller owes you reimbursement. 
It doesn't matter that they didn't damage it, it 
matters that they did not protect you from the 
financial loss when you requested.

Many Sharp Smiles,
--Drac