To Jimmy W.: I agree with your reasoning on paying for insurance in the amount of $100,000 for a gun that's worth only $1000. When you pay the insurance cost(set by the carrier) for a given amount, they are giving you the odds that the package won't be lost or damaged. They way I(and you, I think) see it is that if I ship a 30" piece of water pipe, pay to insure it for $1200 and it is lost, they owe me $1200, just like a bet placed on a crap table. I'm not talking about fraud, I can't make it get lost. Unfortunately, the insurance companies and lawyers don't see it that way, I'm told. It appears that they set the odds, you call the bet and then, if the unlikely happens, they have the right to not pay off or to pay an amount less than the bet BOTH PARTIES agreed to.
