Insurance fees are optional. IT IS RECOMMENDED that if you purchase a fragle/breakable/glass item that you add INSURANCE to your invoice . Seller will not be liable for any broken/damaged items.Returns are not accepted on used items. I will only accept returns on Unopened products. Please notify me via email prior to the return. The Buyer is responsible for the return shipping fees. Once the item is received seller will only reimburse the COST of the item(s)less a 15% fee representing inital Ebay & Pay Pal expenses that the seller incurred.