ANSWERS: 1
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If the item description states seller is not responsible for transit time via USPS, UPS or any other shippers; or isn't responsible for the condition item is received; offered no refunds or returns; all sales final; with insurance being buyer's option to pay for, then seller is under no obligation to buy insurance to guarantee package arrives safely. It might sound harsh, but the buyer has the choice to accept the risk or buy elsewhere.
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