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Message:: [QUOTE="afantiques, post: 2026327, member: 71234"]You play the numbers. If it costs more to prevent something happening than it would cost if it happened, money spent on prevention is wasted. Probability gives the casino owners Lear Jets and you a battered pickup truck. Probability keeps the insurance companies in profit. Properly evaluated, probability, in this case the very small risk of loss needs to be weighed against the certain cost of extra expensive transit, which can be easily worked out. If you have comprehensive all risks cover on your household contents it may well be that numismatic material sent to professional graders is already covered under existing insurance. Possibly not specifically, but there's no harm asking for a clarification. They can't say any worse than that it is specifically not covered, and that's what you are assuming already. In situations where there is no risk of catastrophic loss (million dollar fire or auto claims) it is always worth considering covering any risk yourself and balancing the money you are not paying out against the value of probable losses in the process. My experience of having thousands of often quite valuable packages delivered by routine USPS mail services is that the service is very reliable, and assuming a loss rate as high as 1 in 100 packages would be pessimistic.[/QUOTE]