Any insurance whether ebay, bikeflights, etc is purchased separately and generally is in 100s increments (usually around 2.00 per hundred). Ebay has a more convoluted scale as value goes up. 85 is avg cost to ship ebay though certainly closer makes a little cash, further may cost, remember 13% ebay/paypal fees will be charged on shipping as the house always gets their cut. I tend to offer free shipping on ebay and bake into price or flat 85 charge.
How much insurance does the $85 carry?