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No, you should not assume that the seller will pay for insurance. The seller does not HAVE to buy insurance and most of the time will not. Why should he? He has your money BEFORE he ships. The question of insurance should come up during negotiations, and if the seller will not buy, you should buy the insurance and to protect yourself, send enough money for the seller to purchase insurance on the item. Sucks, but maybe the tracking number will find the item for you.
The weather is affecting this shipment, period. It will come up soon enough.