Payment is required within 3 days after the item has sold(unless noted differently). If you are sending a money order/cashier's check, please let us know via email(Payment is to be received within 10 days). Items will ship within 3 business days of payment received(unless noted differently). Insurance is optional. If insurance is not wanted and item is lost or damaged during shipping it will not be returnable. A packaging/handling fee is included in the price of shipping. This is to cover packing materials, getting item to a shipping location, any printing materials and any thing else that is involved in getting your item to you. We do not profit from the charges, this just covers the expenses.