I've upped my standard shipping charges slightly, but not enough to cover Insurance charges.
If it's for a larger amount or I get a nervous feeling about the transaction or the address it's going to I'll eat the insurance charges.
For most smaller transactions I'll roll the dice and send out as is and use the difference in shipping charges to cover any possible losses, putting the responsibility on my own shoulders.
I use delivery confirmation on all U.S. shipments to guard against any funny business.
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