It is now the official policy of eBay that PayPal is the only acceptable form of payment, so we can no longer accept personal checks or money orders. Payment must be received within 10 days after the close of the auction or when you click "Buy It Now" and agree to purchase the item. Insurance is optional. We do combine shipping for multiple wins so be sure to check out our store to see if there is anything you'd like to add to your order! :)