USPS Insurance Cost – What You Pay to Protect a Package
If you’ve ever sent a valuable item through the post, you know the peace of mind that comes with insurance. But figuring out how much USPS will charge can feel like a puzzle. This guide breaks down the basics, shows you the exact rates, and gives simple tricks to keep costs low.
How USPS Calculates Insurance Fees
USPS insurance isn’t a flat fee. It’s based on the declared value of the item you’re sending. For most domestic services, the first $100 of coverage is free. Anything above that adds a small charge per $100 of value. For example, adding $200 of insurance costs about $2.95, and $300 costs about $5.90. International shipments start with a free $50 and then charge a similar per‑$100 rate.
The exact amount can change with the service you pick. First‑Class Package Service, Priority Mail, and Priority Mail Express all use the same per‑$100 scale, but Express may have a slightly higher base fee. If you ship a high‑value item, you can also purchase additional coverage up to $5,000, but each extra $100 costs a few dollars.
Tips to Reduce Your Insurance Costs
1. Bundle items together. If you have several low‑value items, pack them in one box and declare a combined value. One insurance charge is cheaper than many separate ones.
2. Use the free coverage. For many everyday shipments, the $100 (or $50 international) free tier is enough. Double‑check the item’s actual worth before adding extra insurance.
3. Choose Priority Mail when possible. It often includes the same insurance rates as Express but at a lower shipping cost, saving you money overall.
4. Look for discounts. Some business accounts or volume shippers get reduced insurance fees. If you ship regularly, talk to your local post office about a commercial rate.
5. Document the value. Keep receipts or photos of the item. If a claim is needed, proper proof can speed up reimbursement and avoid extra fees.
By understanding the per‑$100 pricing and using these tricks, you can protect your packages without overpaying. Remember, the goal is to match insurance to the true value of what you send—no more, no less.
At Dex Removals & Logistics Services, we help businesses and homeowners pick the right shipping method, whether it’s USPS, UPS, or a dedicated freight service. Need a quick quote or advice on the best way to insure a move? Our experts are just a call away.
Now that you know how USPS insurance costs work, you can ship with confidence. Check the declared value, apply the per‑$100 rate, and use the free coverage whenever you can. Happy shipping!
July 14, 2025
Evelyn Wescott
0 Comments
Get all the facts on insuring a $5000 package with USPS, including real costs, coverage details, claim tips, and how to avoid common mistakes.
