insurance with any shipping company is a freakin' scam. They will run you around all day long so they don't have to pay up. I had a USPS package STEPPED ON! with a shoe print and everything and they wouldn't honor the ins. because they said it was poorly packaged. Basically, unless you can throw it against a wall at 20mph without breaking it they'll say you didn't package it correctly OR you have to pay them to package it.

Sorry for the problems man.