Please e-mail any and all questions. Insurance is already included in shipping costs. Please call 1-800-545-9633 x 329 to use credit cards. Email me first if planning to send money order/check. Orders will be held until checks clear. We cannot ship to PO boxes or outside the USA. HI,AK,PR and all other US terrotories require addtional shipping, please request a quote or an invoice. MO residents will have sales tax added to their purchases. Returns allowed on specific items, please check ad for more details. Customer service is our #1 concern, please email all concerns. Thanks for looking!!