yea.
Nobody has to but the seller has to get the item to the buyer. If they fail to then they eat the loss. So it would be the sellers decision to get it if they wanted, and their responsibility to pay for it. In the end the price agreed upon would factor in all fees associated with the sale so in a way the buyer is always paying for it though.
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I’d also add that it’s cheaper in the long run to self insure but i get it if you are only shipping a few things here and there and don’t want to risk a high value item getting lost. The amount of money shipping companies make off of insurance is insane.
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