If you are going to buy insurance, then do it through the post office. UPS and Fedex both suck when it comes to paying out claims in my experience.
Ups-I used to work at a UPS store(independent reseller of UPS services) and had to work as the liaison between the customer(who's package got broken) and UPS(who broke the package). No matter how cut and dry the case was, they never paid without a ton of effort. We had a customers package that were literally run over by a truck(the package was flattened) and they still gave us a hard time about if it was "packaged" well enough. We package them well enough to be thrown off a truck, but not to be run over by one...
Fedex- Have been fighting them, and the independent reseller who sold me the insurance for 4 months over a $3200 claim where they delivered my package to the wrong building.
Moral of the story, Fedex and ups insurance aren't worth the hassle if you can avoid it.
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