Do you take insurance, or not? Or does it depend on the order / seller for you? I've done a couple of uninsured orders that arrived without a problem, but I still find myself taking insurance most of the time...
I've never requested insurance, but I also rarely have orders that are worth more than $20-$50. If I was buying something internationally or something very expensive/rare, then I might request insurance.
I don't require insurance from any of my buyers either. Basically, it's buyer beware. If they want insurance, then I'm happy to provide it at cost.