Insurance is optional, however we will not be responsible for lost or damaged items, if not insured. We now accept *BANK-FUNDED*or *CREDIT CARD* PayPal as well as money orders and cashiers checks! Shipping includes lower 48 states. Email for a quote elsewhere!! I do not accept returns unless I make a major mistake in listing. I typically ship USPS Priority unless distance and weight is a major factor. THANK YOU FOR LOOKING and HAVE FUN BIDDING!!