We offer shipping insurance on all orders so your packages are protected in the event they are lost or stolen. If you do not want insurance coverage, you must deselect the insurance to remove it from your cart prior to checking out. If you deselect this insurance coverage, we cannot replace packages that are lost or stolen during shipping. This insurance costs a small fee that increases based on your order's subtotal. Shipping insurance fees are non-refundable. Shipping insurance only covers a replacement order, not a refund. In the event an item is unavailable, a credit may be issued. A claim must be submitted within 5-business days for the delivery date.