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sagardUSPS pays out very few claims whether they are legitimate or not. They will not cover your sale, but will cover your costs when you do get them to pay.
They will also try to apply their determination of your packages value when paying, not simply what you put on the slip.
If it is something you need to get from point A to B, USPS Registered is the best option as I have heard they are more expediant in paying when something goes wrong with that service.
For anything under a $1000 I choose to package it well and use priority and signature confirmation and take my chances. I quote my customers one shipping price and do not try to sell them on insurance, but issue refunds if there is a problem.