This happened to my sister in Kentucky. She made a quilt and sent it to her daughter in Texas,had it insured with the post office for $200.( the max there )Her daughter didn't get the package, they traced the package in Memphis with nothing in it. She didn't save every stinking little receipt for the fabric ,through the years(who does?)So there was nothing they could do.So why pay for insurance when they don't give you all the details before hand.some one in Memphis made off with a beautiful hand made,hand quilted quilt.