I may be on the wrong track, but if the buyer agrees to the sale and does not request for insurance, then they better be home when it arrives. I know that I watch tracking info throughout the delivery period. Maybe it would be best to state "base shipping/no insurance or premium shipping w/insurance, no refunds if lost in the mail." Then it is up to the buyer to pay up or shut up. Not sure is this is compliant with Paypal though. Bummer Paul, I feel your pain.