How much to purchase.

Only need to order insurance if your order is $100.00 or more. USPS provides insurance on the first $99.00 then after as follows. 

0-$99.00 USPS provides coverage

$100.00 -$199.00 order get $2.00 (add two $1.00)

$200-$299.00 order get $3.00 (add three $1.00)