Payment is due within 14 business days of auction's end. After 14 business days negative feedback will be posted and eBay will be notified. We don't want unhappy customers and we value customer satisfaction! If you are not happy with your item we will happily refund the price of the item less shipping. Check out our feedback to see what others say about us!Insurance is optional for $1.50. We cannot be responsible for uninsured items.If you need additional information or have any questions, please see item description or contact us BEFORE placing your bid. E-mail ebay@possumcounty.com or call 1-574-970-5851...ask for the Ebay Dept.!