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Insurance protects the seller.
If the item arrives damaged or is lost or stolen it's not the fault of the buyer.
The buyer deserves to get the item in the condition that it was sold.
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Right. Shipping is an agreement between the seller and the shipper. The customer is not responsible until it is in their hands.
If it arrives obviously damaged, refuse to accept it from the shipper. The shipper is at fault there and their customer (the seller) needs to get them to refund the shipping cost.
If you don't get what you ordered because it was lost in shipment and the seller refuses to refund you, or if it is damaged and the seller refuses to refund you, contact your credit card. They will void the charge against your credit. That's your insurance.
That said, always deal with the seller first. Give them the opportunity to make it right. When you contact your credit card, they will ask you what steps you went through to work with the seller first.