We do ship lots of customers equipment back and forth. We always ship with full replacement value insurance on the items. If for some reason we didn’t we would replace the product to the customer at our expense. If we didn’t we would lose reputation.
I know I would rather hear company 123 made a mistake and didn’t insure my item. It got lost (or damaged) and they took care of it.
Hearing stories like these is just poor customer service.
Only time full insurance does not happen is per customers request. We make if very clear that if something happens to the package the customer is gambling with the items. Usually only on international shipments where they are worried about tax, theft, or bribery issues.