Does this mean free shipping? or free insurance?

From a current auction:
"Shipping is $2.00 for the first item and $.50 for each additional card. Insurance is an extra $2.00. Items shipped without insurance is at buyer’s risk. Shipping cost includes insurance."
How do you read this? At first, I'm thinking that if I want insurance, I need to add $2. But at the end, It looks like I only have to pay for the insurance, and the shipping is free?
?????
"Shipping is $2.00 for the first item and $.50 for each additional card. Insurance is an extra $2.00. Items shipped without insurance is at buyer’s risk. Shipping cost includes insurance."
How do you read this? At first, I'm thinking that if I want insurance, I need to add $2. But at the end, It looks like I only have to pay for the insurance, and the shipping is free?
?????
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stupid print dots
0
Comments
Seeking primarily PSA graded pre-war "type" cards
My PSA Registry Sets
34 Goudey, 75 Topps Mini, Hall of Fame Complete Set, 1985 Topps Tiffany, Hall of Fame Players Complete Set
(I hate my grammar)
It was easy to pass. But I wonder what the answer would have been? (or will be?)
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stupid print dots