For what it is worth, I think private insurance is the way to go.
In the 20 years or so we used private insurance to cover our stuff (during transit), we only had to make a claim twice.
Both were easy. One was a card being shipped. During shipping, the card tore (it was fragile . . . ). Showed company a recent price, and a check for 10k was sent.
Second was one a few years ago. Shipped 5 boxes of stuff to Canada. 1 of 5 boxes went missing. It just disappeared into the Fed-ex system.
Sent insurance company our documentation, a note from Fed-ex, and a check was quickly cut (pretty high number, but we had packing lists and values placed).
4 months later, a call from someone at Fed-ex who found the box somewhere. It was opened, a name was found, and they called us. Box was shipped back and all was there.
We called the insurance company, said the box had been found and fully accounted for. We cut them a check, which made them pretty happy (guess it's rare), and we sold the cards to the same guy for the same price. Shipped 'em out, and they arrived safely.
We generally use Fed-ex, but have used all shipping options.
If it's possible, see if it your insurance covers transit. It'll be easier to work with than USPS at any given time.
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