[Azselendor]

The insurance is most likely related to shipping, If you get scammed on paypal, they are pretty good about righting the wrong money wise.

sellers being honest is paramount to paypal being in business, however. If too many people get screwed over by dishonest sellers (buyers too in some cases) then public trust is lost. An old adage in sales is "Please a customer and they'll tell four people, Upset a costumer and they'll tell 20 people."