Christine,
Who is this person or seller????? Please post this on the board. I will NOT buy anything from this seller. If I pay for insurance I expect insurance in the amount I payed for. Insurance is not susposed to be a profit making thing, for the seller.
As for self-insured, I donot think I would trust the self-insured seller to follow up. If the buy gets lost somewhere in transit. It's to easy to make excuses and delay or just say NO WAY.
In your case I would not buy from this seller again.
Dan