It sounds like this is open for opinions, and i have a very strong opinion on this subject. Bill, if you don't want this here please delete it, but i have worried for years about this. It does not matter whether both of them insured or not, it is simply the responsibility of the sender to get the item to the buyer, not just drop it in the post office. It could be lost or stolen, and that was not the agreement, the agreement was to get it to the buyer, that does not change. I always insure a package I send and also get confirmation receipt. Wallacem in Ga.