Amazon seller 'Thompson Tools'

[Alann45]

It is simply a question of who bears the "risk of loss in transit," the seller or the buyer. Unless that parties expressly agree otherwise ("FOB point of shipment"), it's the seller who bears the risk of loss in transit. The seller can protect himself/herself/itself by charging a price that includes insurance or self-insurance against loss. Very fair and the law in any case in all fifty states, DC., and Puerto Rico..\

Which is why, for example, the only possible insured in "mail insured" is typically the seller because only he has an "insurable interest" - his property until delivered as agreed.

Well put and pretty much the way I feel about it.

There are several threads here discussing the subject.

For transactions between individuals I can see it being an issue. They probably don't make a lot of sales and the extra cost matters more than it does to a high volume vendor.
The seller wants to make as much as possible and the buyer wants to pay as little as possible. Preferred or insured shipping is an extra cost that both would like to avoid because 99%+ of time it wasn't necessary.
Until something goes wrong, then without insurance or proof of delivery we get into who is at fault and who pays. Never fun and almost always a hassle.
To me insurance is a cheap way to avoid hassles.

There are dealers whose attitude is once they drop it in the mail, they are DONE.
I don't buy from them.
Far as I'm concerned the deal is not DONE until its in my hands.