For me, location is important. Being in a small town in southern Minnesota if I order from most suppliers the package gets transferred from truck to truck five or six times enroute. That means the package gets tossed a LOT. I have heard from the drivers that if you put about $1000 insurance on it they will be a lot more careful. They don't want to pay off a big claim.
It doesn't matter what value is actually in the package. If it gets damaged they only pay up to the value of the item. It costs a couple bucks extra for the higher insurance but in my mind the value of the extra care given is worth it. IF my info about the $1000 insurance is right.
So go for the closest vendor if you are off the grid like me.