Insurance is a must but it's a hassle if you have a claim. I have received several wheels via UPS/FedEX in perfect shape but got one through the US Postal Service that arrived in sad shape...tacoed with a couple broken spokes. The box actually appeared to have been run over with a fork lift or some such device and was badly torn to boot. Complained to the counter person at our downtown post office & got their famous "shrug".