How Much is USPS First Class Insurance? Find Out All You Need to Know

Did you know that USPS offers First Class mail insurance? That’s right! If you’re a frequent mail sender or someone who values the security of their packages, USPS First Class mail insurance can be a lifesaver. But how much is USPS First Class insurance? Well, that’s what we’re going to explore in this article today.

One of the reasons why USPS First Class insurance is such a popular option is because it provides an additional layer of protection. When you send your package with USPS First Class mail, it’s already insured for up to $500, but opting for additional insurance can ensure that your package is protected from any unforeseen circumstances. Whether it’s damage or loss of the package, First Class mail insurance will keep you covered.

So, how much will it cost you to add on this extra protection? The USPS First Class insurance rates are relatively affordable, and the cost will depend on the value of the package you’re sending. The more valuable the package, the more expensive it will be to insure it. But, in the grand scheme of things, the peace of mind that comes with knowing your package is protected is priceless. So, let’s dive into the details of USPS First Class insurance rates and find out just how much it will cost you.

USPS First Class postage rates

USPS First Class postage rates are the most affordable way to send lightweight packages and envelopes. The pricing for USPS First Class mail is determined based on the weight and size of the package, the distance it travels, and whether any additional services are purchased. The prices start at $0.50 for a standard-sized envelope, and go up to $3.80 for a 13 oz. package.

  • Letters (up to 1 oz): $0.50
  • Large Envelopes (flats) (up to 13 oz): $1.00 and up
  • Small Packages (up to 15.99 oz): $2.66 and up

In addition to the weight and size, the USPS First Class postage rates also vary based on the distance the package travels. The USPS divides the United States into eight different zones, and the postage rates increase with each zone. For example, a package that is sent from New York to Florida will have a lower postage rate than a package sent from New York to California.

To ensure the safe and timely delivery of your package, you may also choose to purchase additional services such as insurance, tracking, and signature confirmation. These services come at an additional cost, which can be added to the USPS First Class postage rates.

Additional Services Price
Insurance $2.45 and up
Tracking $0.35 and up
Signature Confirmation $2.75 and up

Overall, USPS First Class postage rates are the most cost-effective way to send lightweight packages and envelopes. The prices are affordable and vary based on the weight, size, distance, and additional services purchased. For more information on USPS postage rates and services, visit the USPS website.

USPS Insurance Options

When it comes to shipping with USPS, insurance options are available to provide peace of mind. Knowing that the packages being shipped are covered by insurance in case of loss or damage is crucial, especially for businesses.

  • First-Class Mail: USPS first-class insurance starts at $1.50, and covers packages up to $100 in value. This is a cost-effective insurance option for small businesses and individuals.
  • Priority Mail: Priority Mail insurance starts at $7.50, and covers packages up to $50,000. This option includes tracking and delivery confirmation.
  • Priority Mail Express: Priority Mail Express insurance starts at $22.95, and covers packages up to $50,000. This option includes tracking, delivery confirmation, and overnight delivery.

It’s important to note that additional insurance may be purchased for packages exceeding the coverage provided by USPS. For any lost or damaged packages, claims can be filed online or at a post office.

For businesses that ship frequently, USPS offers an open and approved insurance policy, which provides coverage for all shipments made within a certain period. This policy is specifically designed for businesses that ship more than $5,000 worth of merchandise annually.

Insurance Option Starting Price Coverage Amount Additional Features
First-Class Mail $1.50 Up to $100 N/A
Priority Mail $7.50 Up to $50,000 Tracking and Delivery Confirmation
Priority Mail Express $22.95 Up to $50,000 Tracking, Delivery Confirmation, and Overnight Delivery

Overall, USPS provides a variety of insurance options that accommodate different needs. Whether shipping a small package or a large shipment, insurance is available to protect the package and provide peace of mind for both individuals and businesses.

USPS Package Weight Limits

When it comes to shipping with USPS, it’s important to pay attention to their package weight limits. Each USPS service has its own weight restrictions, so you’ll need to make sure you’re aware of them before sending your package.

The weight limits for USPS packages are:

  • First-Class Mail: 13 oz
  • Priority Mail: 70 lbs
  • Media Mail: 70 lbs
  • Parcel Select Ground: 70 lbs
  • First-Class Package Service: 15.99 oz

If your package exceeds the weight limit for the service you selected, you’ll need to choose another service or split your shipment into multiple packages.

USPS First Class Insurance Rates

When it comes to insuring your USPS package, first-class mail has unique restrictions compared to other USPS services. USPS first-class mail only allows for insurance on packages with a maximum value of $500.

If you need to insure a package with a higher value, you’ll need to use another USPS service like Priority Mail or Priority Mail Express. These services allow for insurance up to $5,000 and $50,000, respectively.

How to Calculate USPS Package Insurance Rates

The cost of USPS package insurance varies based on the package’s value and the service you select. To calculate your USPS package insurance rate, you can use their online calculator or reference their table of rates:

Value of Item Domestic Price International Price
Up to $50 $2.50 $3.24 up to $100
$50.01 to $100 $3.00 $4.24 up to $100
$100.01 to $200 $5.05 $5.64 up to $200
$200.01 to $300 $5.95 N/A
$300.01 to $400 $8.55 N/A
$400.01 to $500 $10.40 N/A

Note that the international price for package insurance may vary depending on the destination country.

USPS Shipping Restrictions

As with any shipping carrier, the USPS has certain restrictions in place to ensure the safety and security of both the package and those handling it. Some of these restrictions include:

  • Prohibited items: The USPS prohibits certain items from being shipped, including explosives, flammable materials, and poisons.
  • Restricted items: Some items are classified as restricted and may require additional documentation or special handling. These items include firearms, certain types of alcohol, and certain types of live animals.
  • Size and weight limits: The USPS has specific size and weight limits for packages, which can vary depending on the service used.

Included Insurance with USPS First Class Shipping

When shipping with USPS First Class, packages come with a certain amount of insurance coverage included. The amount of coverage varies depending on the value of the item being shipped:

  • For items valued up to $50, the package comes with $50 of insurance coverage included.
  • For items valued over $50 up to $100, the package comes with $100 of insurance coverage included.
  • For items valued over $100 up to $200, the package comes with $200 of insurance coverage included.

Additional Insurance with USPS First Class Shipping

If a package being shipped with USPS First Class has a value exceeding $200, additional insurance can be purchased for an extra fee. The cost of this additional insurance depends on the value of the item being shipped and can be calculated using the USPS website or by speaking with a USPS representative.

Declared Value Fee
Over $200 up to $300 $2.65 + $0.95 per $100, or fraction thereof, over $200
Over $300 up to $500 $4.85 + $0.95 per $100, or fraction thereof, over $300
Over $500 up to $5,000 $4.85 + $1.05 per $100, or fraction thereof, over $500

It is important to note that there are some restrictions on the types of items that can be insured. For example, items that are fragile, perishable, or otherwise easily damaged may not be eligible for added insurance.

USPS Priority Mail vs. First Class Mail

When it comes to shipping with USPS, two of the most commonly used options are Priority Mail and First Class Mail. Each has its own set of benefits and drawbacks, which you should consider before making this decision. One of the things you should consider is the cost of insurance for each service.

USPS Insurance for First Class Mail

  • USPS First Class Mail can be insured up to $5,000 for merchandise loss or damage, but insurance is not included in the cost of shipping like it is with Priority Mail.
  • The cost of insurance for First Class Mail depends on the value of the item being shipped.
  • If you wish to purchase insurance for First Class Mail, there is an additional fee you will need to pay for each $100 of insurance coverage you need.

USPS Insurance for Priority Mail

USPS Priority Mail includes up to $50 of insurance for merchandise loss or damage at no additional cost. If you need additional insurance coverage, you can purchase it at an affordable rate. The cost varies based on the value you are insuring. For instance, insuring an item valued up to $100 costs $2.50.

Which is the Better Option?

The answer to this question depends on the value of the item you are shipping. If the item is of high-value, it is probably best to go with Priority Mail and purchase additional insurance for peace of mind. If the item is a low-value item, First Class Mail is the cheaper option and you can purchase insurance if you need it.


Shipping Service Included Insurance Additional Insurance Cost
First Class Mail Up to $5,000 (not included) $1.00 per every $100 of insurance
Priority Mail Up to $50 (included) $2.50 for items valued up to $100

Ultimately, the decision on which shipping service to use should be based on your budget and the value of the item you are shipping. Take advantage of the affordable insurance options provided by USPS to ensure your precious items are protected during transit.

How to File a USPS Insurance Claim

It is essential to know how to file a USPS insurance claim to ensure you are covered in the event of loss or damage to your package. Filing a claim is a simple process and can be done quickly and easily. Below we will provide you with step-by-step instructions to file a USPS insurance claim.

  • Step 1: Gather Required Information – To file a USPS insurance claim, you will need the following information:
    • The tracking number of the package
    • The mailing receipt for the package
    • The sender’s and recipient’s contact information
    • The package’s value and the item’s description
    • The date and time of delivery (if applicable)
    • The date and location of loss or damage
    • Photos of the damaged item and packaging (if applicable)
  • Step 2: File a Claim Online – Visit the USPS website and click on the “File a Claim” button. Follow the instructions to file your claim online, providing all the required information and documentation. You will receive a claim number after successful submission.
  • Step 3: Wait for USPS to Review Your Claim – USPS will review your claim and notify you within 5 to 7 business days if they need additional information or documentation. If they do not request this, you should receive a decision within 2-3 weeks.
  • Step 4: Receive Resolution – If the claim is approved, USPS will provide the compensation amount by check or online refund. If the claim is denied, you have the option to file an appeal with additional supporting documentation or evidence.
  • Step 5: Follow Up – If you have not received a resolution, you can check the status of your claim online or contact USPS customer service for updates.

Important Tips

Here are some essential tips to keep in mind when filing a USPS insurance claim:

  • File within the required time limit – USPS requires that claims be filed within 60 days of the package’s mailing date.
  • Provide thorough documentation – Make sure to gather all the necessary information and documentation to support your claim. Photos of the damage item and packaging is critical pieces of evidence.
  • Track the status of your claim – It’s a good idea to check the status of your claim regularly and follow up if necessary.
  • Consider purchasing additional insurance – USPS insurance coverage only goes up to $5,000. If you need additional protection for high-value items, consider purchasing extra insurance.


Filing a USPS insurance claim is an easy process as long as you follow the steps and provide accurate and thorough information. Be sure to keep all the necessary documentation and track the status of your claim to ensure you receive a timely resolution. Most importantly, consider purchasing additional insurance if you need extra protection for high-value items.

Package Value Insurance Coverage Included Additional Fee for Coverage from $500.01 to $5,000
$0.01 to $50 $50 $2.75
$50.01 to $100 $100 $3.50
$100.01 to $200 $200 $4.60
$200.01 to $300 $300 $5.80
$300.01 to $400 $400 $7.40
$400.01 to $500 $500 $9.25

The cost for insurance coverage varies based on the package’s value. The additional fee applies for insurance coverage from $500.01 to $5,000.

International USPS shipping options

When it comes to international shipping, USPS offers a range of options to fit your needs. Here are some of the most popular choices:

  • First-Class Package International Service: Best for sending small packages and envelopes weighing up to 4 pounds. Prices start at $13.25.
  • Priority Mail International: Best for sending packages weighing up to 70 pounds. Prices start at $41.00.
  • Priority Mail Express International: Best for sending time-sensitive packages weighing up to 70 pounds. Prices start at $45.95.

If you’re sending anything fragile or valuable internationally, it’s always a good idea to purchase additional insurance to protect your shipment from damage or loss. USPS first class insurance rates for international packages vary depending on the destination country and the value of the item being shipped.

Destination Country Insurance Coverage Limit Insurance Cost
Canada $675 $2.45
China $675 $5.10
Australia $675 $5.10
Japan $675 $5.10

Prices and coverage limits may vary depending on the destination country and the value of the item being shipped, so it’s always best to double-check the specifics before mailing your package.