Personally, I would not do a deal with a person who took that stance, either as a buyer or a seller.
If I purchase a watch, I fully expect it to be insured for the price I paid. Same way if I sell a watch. The Post office, UPS, FedEx, etc. will not even speak to the recipient on a claim, and certainly will not reimburse the recipient. It is the Sellers responsibility to get that package into the buyers hands, If it does not make it, I fully expect to be promptly reimbursed by the seller for the item. It is then the sellers issue to take up with the delivery entity.
To take it even a step further, I prefer to use USPS money orders for any transactions and if I am the seller, I won’t even cash them until the item is delivered. Done this many times with watches and firearms and it only seems fair to me as a good faith seller. I expect the same if I am the buyer.
My .02
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