I realize this won't make you feel any better, but I won't ship expensive or breakable items without insurance unless it's a restricted item. This is because I know that I can't afford to refund the buyer for these items should they get lost or damaged. The carriers have a list of items they won't insure. I use Shipsaver for insured parcels because they cover the shipping charges as well. For new users it's $1 per $100 total value. You have to decide what you are willing to lose when you ship uninsured. I couldn't cover $300 on any day. So you have to chase them down. I have had the post office send me pictures of an empty package that got lost but I still had to eat the refund to the buyer. Even when you do insure you need to make sure it isn't an excluded item or you are wasting money. This is a list of excluded items with Shipsaver.
Accounts, bills, currency, cash in transit, evidence of debt, checks, money orders, cash on delivery (COD) payments, coins (collectible coins are not excluded), securities and other negotiable papers, tickets, deeds, notes, gift cards, manuscripts, documents, neon items, hazardous material (per UPS Hazardous Materials List), LCD monitors or screens, televisions (including LCD, plasma, CRT, projection, and similar), perishable cargo or similar property, eggs, any stone or ceramic slabs, automobiles, motorcycles, live animals, flowers, plants, seeds, cigarettes/cigars, cotton, tobacco, windows, plate glass, stained glass, float glass.
If you ship excluded items you have pack carefully to make sure it won't break. I ship blown eggs and stained glass. I limit the number of purchases for these items in the event of damage since I know I'm on the hook for them. And buyers don't even have to submit proof of damage to open a SNAD claim.
