Insurance is available at the actual USPS rate, and  required on domestic packages valued above $100.00. Returns accepted on all items for any reason. Please notify me within 5 days of receipt of your item if you wish to send it back. I cannot guarantee a refund if notified after the 5 day period. Refund checks will be mailed only after I have received the original item in the same condition it was sent. Postage fees will not be refunded. Thanks & good luck with my auctions.