I think actual insurance is worth it for any shipment over $100, but thats my 2 cents. I have had about 50 packages lost and never delivered/returned over the last 10 years since i started selling online. Another 200 that were damaged. Had several packages end up in dead mail due to ripped off labels, but that issue has been resolved do to taping over the labels. I havnt had a package lost since i started taping over labels 2 years ago.