I accept Paypal or money order. I will also accept a personal check but will wait from 7-10 days after receiving the check before I ship. If you purchase an item that I ship via post office then insurance is optional but recommended. If shipping by UPS then the first $100 dollars is included in the price. Please let me know within 3 days how you intend to pay for your purchase. The easiest way to do that is to complete the checkout process on the auction page.