I happily accept PayPal. Insurance is optional but always recommended. Insurance Price is based on the final value of item. Please contact me if you'd like to add Insurance or Delivery Confirmation--even if you are purchasing instantly via Buy It Now option. I'm happy to send an extra invoice with just those exact charges.
Sellers have the right to set their own prices independently, but some manufacturers place restrictions on how these prices will be displayed or communicated to others.