I check the exchange area once or twice a day for good deals and I don't understand why I see all these sellers post that if insurance is wanted on the package the buyer needs to pay extra. REALLY? Do they not understand insurance is to protect THEM and not the buyer? If I buy a package and the seller asks me if I want it insured and tell them no, you can bet if it doesn't show up ill be filing a chargeback and they will sustain the loss. I just wanted to ask other people their thoughts on this.