I've seen a few sales recently where sellers have offered buyers the option of paying for shipping insurance. This strikes me as very wrong. It seems to me that if I buy something from you, its your responsibility to either deliver me the product or give me my money back. And that seems very obvious to me, today. But I will admit that my thoughts have evolved over the years, here. So maybe it's got something to do with the culture here. There was a time when I believed that if a package got lost or damaged, it might be fair for the buyer and seller to split the loss. I'm not sure what changed my mind - it wasn't anything specific, just an evolution of thought, I guess. But it seems pretty clear to me that insurance is something sellers should be paying for, if they'd like to be covered. Because it also seems pretty clear to me that if a package goes missing or gets destroyed, that's between the seller and the USPS (or whichever carrier the seller chose) and not the buyer's problem - he gets a refund or a replacement.