I have never gotten the PO to pay on an insurance claim ever. Not once. I don't buy it anymore. I just accept that any losses are fully on me.
On three occasions the PO didn't want to refund my postage costs for late Express deliveries either. One time it was declined because the box contained chicks. One time was because I shipped from a different post office than the one I was getting the refund from. And most recently they tried to decline refund because I paid for shipping online. I almost always create the shipping label online.