you would be surprised what they will do to not pay.

Ive heard if you insure under $200 with out also buying signature confirmation you will not get paid.

The delivery person scans it and puts it in the wrong mail box and the person does not get it you wont collect insurance. They will say it was delivered... over $250 they sign for it so might be cheaper to pay more and insure for $300 Then you have to prove whats in there to collect.