Buyer pays actual shipping charge. I do not charge a "handling fee". Insurance is optional - to be paid by the buyer - based on the final sale or auction price. Seller not responsible for lost or damaged items if they are not insured. I package all items professionally and with the utmost care using bubble wrap and packing peanuts for fragile items. If an item is received damaged it will be the buyer’s responsibility to get reimbursed by the delivery company, but I will help out where I can. I offer a money back guarantee on all of my items if they are not as described. Item must be returned within 3 days of receipt.