"If no insurance coverage is purchased, the buyer is responsible for replacing
damaged pieces."
which isn't true as if something is damaged or lost in the mail, regardless
of tracking/insurance, the seller is fully responsible to it until its delivered.
if a buyer reaches out and you decline, they will file a chargeback and the bank/PayPal
will always side with the buyer and will take the funds out of your account and
hit you with a chargeback fee
USA, Virginia
Canada, Ontario