Does First Class Mail Have Insurance

By David Krug David Krug is the CEO & President of Bankovia. He's a lifelong expat who has lived in the Philippines, Mexico, Thailand, and Colombia. When he's not reading about cryptocurrencies, he's researching the latest personal finance software. 4 minute read

Sending important items in the mail can feel like you’re releasing them into the world with a sigh of relief.

Sending valuables by mail doesn’t have to be a hopeless endeavor. Most shipping services provide additional insurance to safeguard your shipments.

As a result, you may be wondering: Is First-Class mail insured by USPS? Is it a part of the base package or an optional extra? What you need to know is provided below.

Is there insurance for USPS First Class in 2022?

First-Class mail, or what we commonly refer to as “regular mail,” does not include insurance from the United States Postal Service. However, you can add insurance to your postage for a small fee based on the value of the merchandise you are shipping. Both online and in person, this can be done.

Learn more about whether or not the USPS pays insurance claims, how much it costs to insure your First Class mail, and even which services include insurance by reading on!

How Does Insurance Coverage for First-Class Mail Work with USPS?

“Insurance,” which conjures up nightmares for many Americans, is simple and easy to understand in the case of USPS shipping insurance.

It is necessary to purchase additional insurance for First-Class mail, as it does not include it by default.

At $2.45, you can get started shipping whatever you want. The price is based on your self-proclaimed value of the item(s).

Remember: Don’t skimp on insurance for an expensive item because you will only receive the amount insured for it if something happens. It’s up to you to decide how much it’s worth.

In the unfortunate event that you’re shipping something worth more than $5,000, you’ll need to use a different shipper. USPS insurance covers up to $5,000 in value.

If you want to include insurance with your First Class mailpiece, you can print out postage from and then select Insurance as an add-on.

Alternatively, you can go to your local post office and request it in person.

If the value of your insurance policy exceeds $500, you must notify your recipient that they must be present to receive the mail.

This is due to the fact that only mail valued at more than $500 will require a signature upon delivery.

How Much Does Postal Service First-Class Package Coverage Cost?

Depending on the value of what you’re sending, USPS insurance costs between $2.45 and $10.35+.

The limit is $5,000 for each item that you value yourself (and no, you cannot purchase insurance online and then also in-person for the same mailpiece).

The pricing is based on the following values:

  • $2.45 is the result of adding $0.01 and $50.
  • How much is $3.15?
  • $2.45 = $0.01 to 50.00
  • $50.01 to $100.00 = $3.15
  • Three hundred and eighty-five cents
  • $5.05 is the difference between $200.01 and 300.00.
  • Six dollars and forty cents
  • a difference of $7.65 between $400.00 and $500,000.00
  • $10.05 to $600.00 = $0.035.
  • To get from $600.01 to $5,000.00, multiply the declared value by 10.35 cents plus 1.55 cents per $100.00.

It costs $5.85 to purchase additional insurance for packages that have been shipped via Restricted Delivery and are worth more than $500.

Is insurance provided for all packages sent via USPS?

In most cases, USPS packages are not automatically insured.

First-class, marketing mail, retail ground, media mail, library mail, Parcel Select Lightweight and Bound Printed Matter are all included in this.

If you’re using a mailing service, you’ll have to pay for insurance separately.

Is Insurance Included by USPS?

First-Class mail is not automatically covered by USPS.

For Priority, $50 worth of insurance is included in the price; for Priority Express, $100 worth is included.

Priority Flat Rate is a great option if you’re mailing something worth less than $50 because it includes both insurance and tracking in the postage fee.

Adding additional insurance is an option if your item is worth more than $100.

For Global Express Guaranteed and Priority Mail Express International, some insurance is also included.

For First Class, can you combine USPS add-on services?

It is possible to add a variety of additional services to First-Class mailpieces through the US Postal Service.

Adult Signature Required can be used in conjunction with Insurance, for example. or USPS tracking and insurance.

It doesn’t matter if you’ve already purchased First-Class mail insurance; you can still purchase additional add-ons.

How Much Is USPS Insurance?

If you’re sending something that’s worth a lot of money or a lot of heartfelt sentiment, USPS Insurance is a low-cost peace of mind.

Once a claim is submitted and verified by the website, you can expect to get your money back within a reasonable amount of time.

This can take anywhere from a few days to a few weeks.

This page on walks you through the claims filing process and includes all the documents you’ll need, as well as a timeline for when you can expect compensation.

What to do if your claim is denied? If so, you can file an appeal, stating why you believe your claim should have been granted.

It is possible to file a final appeal after your appeal has been rejected.

In order to learn more, please see our posts on whether or not USPS provides first-class tracking, if USPS authenticates documents, and whether or not USPS sends text messages.

Bottom Line

If you want insurance, you can purchase it as an add-on for a very reasonable price from the USPS.

USPS Insurance can be purchased for as little as $2.45 and is designed to give mailers peace of mind when shipping items that hold sentimental or monetary value.

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