If you are shipping via UPS, FedEx or USPS Priority Mail Express, you can take advantage of the default coverage that the carriers offer in addition to the remaining value of your items through Shipsurance.
For example, let’s say you’re sending a package via UPS Ground with a declared value of $300. You can enter the full insured value within the insurance object ($300 in this case) and set Shipsurance as the insurance provider. The first $100 will be covered by UPS, and the remaining declared value (in this example $200) will be covered by Shipsurance. Likewise, if you have a package shipping via FedEx Ground at a declared value of $300, enter the full $300 value into insured_value. The initial $100 will be covered by FedEx and the rest of the value ($200) will be covered by Shipsurance.
USPS covers $50 for Priority Mail and $100 for Priority Mail Express. Just like the previous examples, include the full amount you wish to be insured in the insured_value field. Shipsurance will cover the difference.