the last quilt I sent, I was sending to my niece who happens to live on the 2nd floor of this building. I said I want to insure it. They said they could not, unless I could prove how much was in there. I said how do you insure work you put into it?? They would only insure how much you spent to make it..meaning reciepts for fabric, batting, thread. I sent it and had my niece go to the post office and sign for it, to make sure she got it.