Thanks for bidding! We accept PayPal only. All sales are final, and the total does not include insurance. If you want insurance, you must ask for a new total - do not add additional funds into the payment and assume the item will be covered. Our S&H charges are not negotiable. They are based on actual cost and include an additional handling fee of no more than $2 to cover related expenses like packing materials, fees, and time. If you cannot work within this framework, please do not bid. Thank you!