When we returned from vacation, we found out four packages had been stolen: two from Amazon, one from Bloomingdales ($400 sneakers), and one from A&F (two t-shirts for $80). A&F was the only one that refused to send a replacement, saying its policy is no refund for stolen packages (mind you, they sent it without a signature requirement). I'm assuming they don't insure their packages. I've never had packages stolen before, and I won't be buying them here again.