Do you recommend insuring packages
Yes, I recommend it because once an item is accepted by the post office it is out of my hands and the post office will not refund money for lost or damaged items without insurance.
Do you refund money
I don't usually refund money unless I make a mistake. Refunds are on a case by case basis only. Photos and detailed descriptions for items are available and each item is examined carefully before shipping. I recommend asking questions before you purchase an item. All items are packaged well for safe delivery.