As a buyer you should never pay for insurance, your not the one who needs it. Everything that happens to the cue until it arrives in your hands is the responsibility of the seller. If the cue never arrives or arrives damaged, the burden is on the seller not the buyer.
That's where buyer protection comes in. Paypal holds payments for a specific amount of time and will never refuse to issue a refund for a legimate issue once you complete the return process. I have heard tell of buyers who, even upon return of defective goods, refuse to issue refunds or refuse delivery of the defective goods altogether. That leaves the buyer with the only recourse of legal action, which is a pain the **s.
If you're responding to my post which stated "As a buyer I prefer to have the option to not insure my cues." you might have misread it.
I don't want my packages labelled as valuable and potentially become a target.