Your USPS insurance will cover the cost of postage as well as your items, as long as your claim doesn’t exceed the total value of the maximum coverage. For example, let’s say you have $100 of Priority Mail insurance for a package that costs $10 to ship. If you’re shipping a $50 doll, that puts your total claim at $60 ($50 + $10). In this case, the $100 of built-in insurance has you covered!
The Amount of Insurance You Get Depends on the Service You Use (and Where You Buy It From)
When you ship at your local Post Office, all Priority Mail services come with $50 of insurance. Priority Mail Express includes $100 of insurance at the Post Office, as well as a money-backed guaranteed delivery time.
When you buy postage online with shipping software, both Priority Mail and Priority Mail Express services come with $100 of insurance. This includes Priority Mail, Priority Mail Flat Rate, and Priority Mail Cubic.
Your Service May Not Have USPS Insurance
Keep in mind that some USPS services don’t automatically come with built-in insurance, such as First Class Package, Retail Ground, and Parcel Select Ground. If you want to purchase protection for packages that you send with any of those services, you’ll need to go through a third-party shipping insurance company.
How to File an Insurance Claim with USPS
If your package is lost or damaged and you’ve got built in USPS insurance on it, you’ll can file your claim directly with USPS here.
Pro Tip: Sometimes the included USPS insurance won’t fully cover you, like if you’re shipping out high value items. In that particular case, it always makes sense to purchase additional insurance for your package. Learn more about protecting your packages with shipping insurance.