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ShipCover insurance question

Let's say I have item that is worth $180. If I want to ship it through Ground Advantage and make sure it's totally covered by insurance, would I have to spend an extra $3.18 for ShipCover's $100-$200 insurance or could I just spend an extra $1.70 and get an extra $100 ShipCover insurance on top of the $100 that already comes with Ground Advantage?

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