Payments are to be made with Paypal (only) within five days of the auction or the item may be relisted and negative feedback will be left. If you have a problem paying with Paypal please contact me for other options. Insurance is optional. Please contact me if you would like it added to your order. I am not responsible for lost or damaged items after they leave my hands and are in that of the USPS. I have not ever had a problem but I want you to feel comfortable either way.