Shipcover inusurance or usps insurance?

just started using Ebay shipping labels/postage for my sales, thanks to these Boards.
However, up until today they have all been relatively low dollar sales ($5 - $25). I just sold a couple for about $60, and I noticed there are 2 options for insurance- ship cover insurance which is about .75 less than usps for these items. Which route should I go? thanks, Tom

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Comments
USPS cheaper for >$100
That being said I rarely will insure any item under $100.