I can understand wanting to insure them for the stated reasons but to the best of my knowledge that much money for insurance would cover the cost of quite a few coins let alone costing that much for just one, insurance is based on the total value of the item(s) sent, my experience with insured items is the dozen or so I've ordered off the internet and the few that I've had to insure and ship back to the maker for whatever reason. Your right if I don't like it I don't have to order and I'm not $12 a coin is just way to much to pay.