Is parcel insurance worth it at your declared value?
The usual answer is “it depends”. This tool gives you the declared value at which it stops depending.
- Declared value
- $60.00
- Premium range
- $0.46–$0.92
- Expected loss range
- $0.12–$0.66
- Break-even declared value
- $84.00
- Lane
- US — Economy
Below $84.00 the premium is larger than the expected loss in our model. Above it, the reverse.
The number above comes from the inputs you entered, not from a partner.
Reading the result
The figure above is a range, not a quote. It comes from a census of 96 entries collected on 2026-10-05, scaled by the inputs you entered. Where a segment is a published figure rather than a modelled range, the result table says so on the row itself.
A wide range is information rather than noise: it tells you which segment is uncertain. The narrowest ranges on this site are domestic delivery and insurance; the widest are international freight and duty.
What this tool does not do
| Limit |
|---|
| Loss probability comes from published carrier claims data, not from your route specifically. |
| It cannot price partial damage or a disputed claim. |
| If the probability range is unavailable for a lane, the tool declines to advise. |
Limits are stated rather than implied. A tool without stated limits cannot be checked.
Common questions about this tool
| Question | Answer |
|---|---|
| Are the defaults reasonable? | Yes — they are the census medians for the weight band and lane you are most likely to use, and every field is editable. |
| Do the tools store anything? | No. Nothing is written to storage or sent anywhere; the hand-off between tools travels in the address bar. |
| Where do the ranges come from? | The 96-entry census. Each range carries a sample size and a collection date on the census page. |
The method behind every figure is documented on the standards page.