Coverage Essentials: What’s Covered and How to Stay Protected

When you buy, ship, or fix something, the big question is "what’s actually covered?" Whether it’s a package on its way to you, a medical bed you need, or a new rug in your living room, knowing the limits saves time, money, and headaches.

Shipping, Courier & Delivery Coverage

Most people think a courier will handle anything, but there are real rules. If you send a fragile gift or an expensive gadget, check the carrier’s insurance options first. UPS, FedEx, USPS and DHL all let you add coverage, but the amounts and claim processes differ. For overnight shipments, the extra cost of insurance is worth it – a broken part can cost more than the extra $5 you pay.

Courier services also have item restrictions. You can’t send hazardous chemicals, lithium batteries over a certain size, or live animals without special permits. Before you head to the drop‑off, ask the clerk which items are allowed and whether extra packaging is needed. Packing your box tightly with bubble wrap or packing peanuts reduces the chance of a claim being denied.

For big‑ticket items like pallets, USPS won’t take them, but they do offer freight services through partners. When you need a pallet delivered, compare freight quotes and make sure the service includes liability coverage. It’s usually cheaper than a private carrier and still protects your cargo.

Health, Home & Equipment Coverage

Medicare coverage can be confusing, especially for items like Tempur‑Pedic adjustable beds. The rule of thumb: if a doctor prescribes the bed for a medical condition, Medicare Part B may cover part of the cost. Always get the prescription in writing and verify with the supplier that they accept Medicare billing.

Home items also have hidden coverage angles. A new rug may look great, but if you spill wine or put heavy furniture on it immediately, you could stain or dent the fibers. Some home insurance policies cover accidental damage, but only if you report it promptly and keep receipts.

Amazon Flex drivers wonder if fuel costs are reimbursed. In 2025 the answer is no – drivers must track mileage themselves and claim fuel as a business expense on taxes. Knowing this ahead of time helps you budget for gas and avoid surprise shortfalls.

Finally, if you’re buying cloud storage apps, the “free storage” they offer is limited. When you hit the cap, you’ll need to upgrade. Some providers throw in extra space for referrals – a quick way to stretch your free quota without spending.

Bottom line: read the fine print, ask the right questions, and add extra coverage when the risk is high. A few minutes of research now prevents a costly claim later.