I think clear communication is great
Regardless of what is "assumed" or the legal details, I think it is in everyone's best interest that all terms (including insurance and who is expected to pay for it or not) are laid out as clearly as possible prior to a transaction.
That said. When I buy - I do expect that an item will get to me in the stated condition or it is on the seller unless otherwise discussed and as a seller - I use insurance as a hedge - usually "self insuring" on smaller transactions and insuring for less on larger ones
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