More and more vendors, especially the smaller ones I like to use when possible, are listing their shipping cost (typically flat rate) and then insurance is an extra. And now 3rd party companies are trying to sell insurance and tracking outside of the typical shipping systems. And product protection insurance is being pushed by Amazone, Home Depot, etc. And it's all a scam. It's false assurance, because if you put any value on your time, you will not want to deal with what it takes to finally get paid on a claim. The USPS is a horrible organization, that still manages, somehow, to deliver 95%+ of what they are supposed to. But the people who built and ran the USPS up until the past couple of decades would be ashamed to see what it has become.
I waited 44 days (yep, 6 weeks +) for an order of various items (scope rings, dies, misc.) from a vendor in Missouri. When the 'package' finally showed up, it was on the ground (instead of in our mailbox where it would easily fit). It was a portion of a box, with the address label on this portion, with a piece of packing paper inside, nothing else, and all of that was inside a plastic bag. Because the PO didn't want that piece of paper to fall out maybe. Priority Mail. What a joke.
$458.00, 44 days wait, for nothing. PO says they received it that way. Vendor is dragging their feet, saying "are you SURE the box was empty?" I filed a credit card dispute, which instantly refunds the purchase price, and it's up to the vendor to prove they did deliver me the goods.
But it's all a hassle. And time is our most valuable asset.