>>>I expect to pay reasonable insurance fees to the seller for my own protection and assurance that the item was mailed....

What a load...

It is the seller's responsibility to get the item to you. If you bought a Dell Computer, would you offer to buy insurance to make certain Dell got it to you?

>>>and I expect bidders on any lots I put up on ebay to do likewise.

Like so many ebay sellers, you are a tad bit dillusional and contradictory. Do you require the buyer to pay for insurance on your catalog?