Insurance will not be on any items if not paid for. It's up to the customer if they would like insurance on their jewelry and accessories to protect from any damages. If any jewelry is damage it is not our responsibility. If any jewelry or accessories is damage and you have insurance we will fix it or credit it, the damage jewelry have to be returned back to us within 5 days of letting us know of the problem. You pay for the returned shipping if no insurance is on the product.