Bud's free shipping does not include insurance. You will have to pay for insurance which is usually seven or eight dollars.
I suggest make your own logical decision about paying for insurance. Any vendor is responsible for getting the widget to the purchaser intact, not lost, not damaged. It's not the buyer's fault, nor his responsiblilty, nor within his control to assure safe delivery.
As others have mentioned, state use tax is the legal and ethical thing to pay on out of state purchases. It's usually lower than sales tax would be.
Bud's has a business model that works fine for me. I have no need to get on the phone with anyone at most any online vendor. Everything can get taken care of via web based format. Leaves me with a record of the transaction that THEY initiate, that I can refer to, rather than a conversation with hand written notes on my end.
Sgt Lumpy - n0eq