THE REASON IS BECAUSE PAY PAL MAKES THE SELLER RESPONSIBLE FOR THE ITEM TILL THE BUYER RECEIVES IT. THAT IS WHY SHIPPING AND INSURANCE IS FREE ON  ALL OF OR NEWLY LISTED ITEMS. SO EVEN IF THE SELLER STATES THAT INSURANCE IS AN OPTION TO THE BUYER AND THE BUYER IS RESPONSIBLE IF 1 WOULD HAPPEN. PAY PAL WILL STILL SIDE WITH THE BUYER BECAUSE THE SELLER IS RESPONSIBLE TO GET IT TO THE BUYER. LIKE PAY PAL SAID TO ME IF YOU ORDERED A SHIRT FROM JCPENNYS ON YOUR PENNYS CHARGE CARD AND YOU NEVER RECEIVED IT WOULD YOU PAY FOR IT. AND I SAID NO TO THEM LIKE ANY ONE ELSE WOULD AND THEY SAID TO ME SEE THATS HOW PAY PAL WORKS. IF YOU ACCEPT MONEY FROM PAY PAL YOU PLAY BY THERE RULES FIRST BECAUSE THEY HAVE THE $$ AND CAN TAKE IT BACK IF THEY HAVE ANY REASON.