I'm not sure why anyone thinks that buying insurance covers any damage whatsoever if the item is not packed properly? if you were running a shipping company, would you just blindly pay out for all damage even when something totally poorly packed. All UPS Stores I have been to explain that claims are subject to possible inspection of the adequacy of the package and offer to re pack something especially if they hear the word "newspaper" used as a packing medium and an old box being presented.