HomeInsurance MarketingDoes USPS Automatically Include Insurance: Step By Step

Does USPS Automatically Include Insurance: Step By Step

One of the most common queries regarding USPS First Class shipping is whether it includes insurance. It’s essential to know if your shipment is protected in case of loss or damage during transit, especially when sending valuable items or important documents.

This comprehensive guide will explore USPS First Class insurance, its coverage limits, and how it compares to other shipping options.

What is USPS First Class Insurance?

USPS First Class Insurance is a service that safeguards your mailpiece against loss, damage, or rifling while in the custody of the USPS. It can be purchased for up to $5,000 in indemnity, and the insurance cost is based on your item’s declared value.

What is a Multiplan Insurance Claim?

Multiplan Insurance Claim, also known as Multiplan, is a comprehensive healthcare cost management solution that simplifies the complex world of medical billing and insurance claims. 

It serves as a bridge between healthcare providers, insurance companies, and patients, facilitating the efficient processing of claims, reducing administrative overhead, and ensuring fair reimbursement for medical services.

USPS First Class Mail

Sending letters, postcards, and small packages is common, and people often use USPS First Class Mail for this purpose. It is an affordable and reliable service popular among individuals and businesses.

How Does USPS First Class Insurance Work?

Now, when it comes to shipping insurance, most people might get worried, but USPS shipping insurance is quite simple to understand and readily available. 

To get insurance for your First-Class mail, you must purchase it as an add-on. The price depends on how much you want to insure the item(s), starting at just $2.45. You get to decide what the item is worth, so pay attention to insurance for valuable items.

 USPS insurance covers up to $5,000 in value, the maximum limit. You might have to use a different shipping service if you need to ship something more expensive. 

You can add insurance to your First Class mailpiece by either printing out the postage online at USPS.com and selecting the Insurance add-on or by visiting your local Post Office and requesting it in person. 

If you insure the mail for more than $500, the recipient must be present at delivery time. This is because a signature is required for mail valued over $500.

How Much Is USPS First Class Insurance?

How Much Is USPS First Class Insurance

Did you know that you can insure your packages when you send them through USPS First Class? The cost of insurance is based on the value of your item. 

If you send something worth less than $50, the insurance will cost you $2.45. If it’s worth between $50.01 and $100, it will cost $3.15. The more valuable your item is, the more it will cost to insure. 

You can buy insurance at any Post Office or online. When buying insurance, you must tell them how much your item is worth. 

This is the amount you’ll be paid if your item gets lost, damaged, or stolen. So, if you’re sending something important to you, consider insuring it.

Does USPS First Class Have Insurance

It’s important to know that USPS doesn’t automatically provide insurance for First-Class mailpieces. However, if you choose to ship something via Priority, then $ 50 worth of insurance is included in the price, and $ 100 worth of insurance is included with Priority Express.

If you’re shipping something worth less than $50, going with the Priority Flat Rate is a good idea because it includes insurance and tracking in the postage fee.

But, if your item is worth more than $100, you can add additional insurance. Some insurance is also included for Global Express Guaranteed and Priority Mail Express International.

How do I file an insurance claim?

To file an insurance claim, you will need to contact your insurance company and provide them with the following information:

  • Your policy number
  • The date and time of the incident
  • A description of what happened
  • The names and contact information of any witnesses
  • A police report, if applicable
  • Any other relevant information

After filing a claim, your insurance company will appoint a claims adjuster to handle your case. The adjuster’s job is to investigate the incident and gather all the necessary evidence to determine whether your claim falls under your policy coverage. 

If your claim is approved, the adjuster will work with you to settle the claim and ensure that you receive the compensation you deserve.

When should I use First Class or Priority Mail?

USPS First Class Mail and Priority Mail are two of the most popular shipping options the US Postal Service provides. Although both are reliable and affordable, they have their strengths and weaknesses.

When to use USPS First Class Mail

USPS First Class Mail is a reliable and affordable option for shipping letters, postcards, or lightweight packages within the United States.

This service is best suited for items weighing up to 13 ounces. However, compared to USPS Priority Mail, First Class Mail is slower and does not offer tracking or insurance.

Here are some specific examples of when you might want to use USPS First Class Mail

  • You are sending a letter or postcard.
  • You are shipping a lightweight package, such as a book or a small gift.
  • You are on a budget and need to save money on shipping.
  • You don’t need tracking or insurance.

When to use USPS Priority Mail

Shipping packages weighing up to 70 pounds? Choose USPS Priority Mail. Faster than First Class Mail with tracking and insurance, but more expensive.

Here are some specific examples of when you might want to use USPS Priority Mail:

  • You are shipping a heavier package, such as a box of clothes or a significant gift.
  • It would be best if you shipped a package quickly.
  • It would be best if you had tracking and insurance.

What is the difference between USPS First Class and other types of mail?

USPS First Class Mail is the most affordable and quickest way to send lightweight packages, letters, and postcards weighing up to 13 ounces. It is also the most commonly used mail class for insured items.

First Class Mail is different from other types of mail in a few ways


The delivery times for different types of mail vary. For instance, First Class Mail usually takes 1-5 business days to arrive, whereas Media Mail and Parcel Select Ground may take a bit longer, up to 8-9 business days, to reach their destination. 

Remembering the different delivery times, especially when sending time-sensitive materials, is essential.


If you choose to send mail using First Class Mail, it is essential to note that the service does not include insurance for your item. 

On the other hand, if you opt for Priority Mail or Priority Mail Express, you can rest assured that your item will be insured during transit.

It is advisable to carefully consider your options and select the appropriate mail service based on the value and importance of the item you are sending.


First Class Mail is the most cost-effective option for sending mail and is generally the best choice for non-urgent letters and lightweight packages. It is typically delivered in 1-3 business days and includes tracking information. 

On the other hand, Priority Mail and Priority Mail Express are faster and more reliable options but come with a higher price tag. 

Priority Mail is usually delivered within 1-3 business days and includes insurance and tracking, while Priority Mail Express guarantees overnight delivery and offers the highest level of tracking and insurance available.

USPS First Class Insurance Coverage

USPS First Class Insurance Coverage

The short answer is yes, USPS First Class Mail comes with some insurance coverage. However, it’s essential to understand the limitations and details of this coverage.

Limited Automatic Coverage: 

USPS First Class Mail provides automatic insurance coverage for packages and parcels up to a specific value. This coverage provides up to $100 in insurance for non-negotiable documents and $50 for merchandise. 

It’s important to note that these values may have changed since September 2021, so it’s advisable to check the USPS website or inquire at your local post office for the most up-to-date information.

No Additional Cost 

This fundamental insurance coverage is one of the benefits of using USPS First Class Mail because it is provided at no additional cost. This indicates that you are immediately qualified for this limited protection when you purchase postage for your item.

Tracking Included

You may trace the progress of your shipment online with package tracking included in USPS First Class Mail in addition to insurance. This can help make sure that your things arrive on schedule.

Claims Process

You can claim with USPS to obtain compensation for your loss if your USPS First Class Mail package is lost, damaged, or delivered late. Keep documents of your cargo, including receipts and tracking information, as the claims procedure requires you to provide paperwork and proof of value.

Evaluating the Need for Insurance

The evaluation of insurance requirements is a crucial component of financial planning. In unplanned occurrences like illness, injury, property damage, or death, insurance can help you shield yourself and your loved ones from financial trouble.

Here are some factors to consider when evaluating the need for insurance

Your assets and liabilities

What possessions do you have, such as a house, car, and investments? What obligations, such as debt, do you have? You may require more insurance to cover your assets or liabilities if you have a large amount.

Your income and expenses

What possessions do you have, such as a house, car, and investments? What obligations, such as debt, do you have? You may require more insurance to cover your assets or liabilities if you have a large amount.

Your dependents

Have you got any dependents, like kids or a spouse? If so, insurance can be necessary to cover their financial needs if you cannot do so.

Your health and lifestyle

Are you physically healthy? Do you engage in any dangerous pastimes or pursuits? You may require additional insurance if you are in poor health or participate in risky activities to pay for medical expenses or defend yourself against liability claims.

Your risk tolerance

How much danger are you willing to take? If you are more risk-tolerant than you are, you should buy additional insurance.


Insurance is not a default feature of USPS First-Class Mail, but it is available at meager prices as an add-on.USPS Insurance is intended to provide mailers peace of mind when sending products with significant monetary or personal worth, and it is available for as little as $2.45.


Does USPS First-Class Mail include insurance by default?

Usually, USPS First-Class Mail comes with minimal automatic insurance coverage. For qualified items delivered via First-Class Mail, as of my most recent update in September 2021, USPS offered automatic insurance coverage of up to $100. However, reviewing the most recent USPS guidelines is crucial because they can have changed since then.

How do I purchase insurance for my First Class Mail package?

Visiting a post office or carrier store to acquire insurance for your First Class Mail package would be best. It would be best to inform the counter personnel that you want to get insurance for your package and state the contents’ estimated worth. The worker will then calculate and tack the insurance fee onto the postal expense.

What happens if a first-class package is lost?

Please fill out our online support request form before beginning a search for missing mail. Please submit your form using a desktop computer. To assist in locating any missing items, we’ll transmit your request to the Post OfficeTM location closest to you.

Does USPS First Class Mail automatically come with insurance?

No, USPS First Class Mail does not automatically include insurance. Although a cost-effective shipping option, it does not come with insurance by default and is mainly used for sending letters, postcards, and small packages.

Who pays for missing packages?

The seller—you, the company owner—is the quick answer. Naturally, it is entirely your responsibility to offer the buyer a replacement shipment or a refund if you shipped the item inadvertently to the wrong address, failed to include a return address, or wrapped it improperly.

What happens if the courier loses my package?

You must contact the courier business directly to look into the matter if you bought a shipping service from them. Once you contact the courier, they’ll begin an inquiry. You can immediately approach the delivery firm for reimbursement if the package is missing.

What percent of packages go missing?

A New York Times article from Tuesday estimates that 15% of all online shopping deliveries in metropolitan areas are unsuccessful because of theft or logistical problems.

Md Al Masud
Md Al Masudhttps://pioneermarketer.com/
I am a dedicated SEO Professional, Auditor & consultant with 12+ years of experience. I mainly worked on different types of websites Regarding keyword research, competitive analysis, SEO audits, Google Search algorithm, Google Search Engine Guideline, Social Media updates and much more.


Please enter your comment!
Please enter your name here

- Advertisment -

Most Popular

Recent Comments

truck accessories columbus ohio on 5000 Directory Submission Sites List with High DA