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When I was selling on eBay (1999-2006) I required insurance on anything breakable or anything over $50. Most of what I sold was antique glass, so nearly everything went out insured.
I only had one package in all that time never show up. The buyer had to wait 30 days before they could file a claim for missing package, but they did get their refund from the USPS.
I don't recall whether tracking showed the pkg being delivered or not, it's been about 4 or 5 years.
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