All packages/purchases shipped FRE-LFRB come with $100 insurance through usps. Anything higher than $100 in value include 3rd party insurance and two claims will need to be made. If you purchase this insurance usps insurance will be added to your package instead of 3rd party insurance and only one claim will need to be made. First class packages do not come with insurance. KNITorious Fabric is not liable for any lost, stolen, or damaged packages. If you want to insure your purchase over the $100 that is included on priority parcels through USPS... You must purchase the product option in the tier (price range) for your TOTAL PURCHASE VALUE. Otherwise, like stated above - you will need to file a claim for the full value with usps and shipsurance.