Bottom line is Fedex does not value it's customers. It's a sleazy loophole to avoid taking any responsibility. They broke the guitar, but are not liable. It BS plain and simple. I am remiss for not reading every f**nig part of their agreement. I am limited in what I can do shippingwise after almost 20 years in the Seattle area and now live a fairly rural area where my options are shipping online and dropping off at a mailbox store that Fedex picks up at. Thanks for all the comments and feedback. Fedex may be right but the they are dead wrong as a business. Ah, but that's one of the few exclusions to coverage in the Heritage policy so it doesn't work.That's not what my policy says. In fact, it specifically covers shipping. Question: Once you sell something - technically it is no longer yours. How could it be protected? I could see if you were shipping to a repair shop or if you were moving, car accident... I sent an email to Rob at Heritage asking when title passes for purposes of coverage. I also looked at the definition of "Covered Property." I would argue that even if you've accepted the money and title has passed, the instrument could be property of others in your care, custody or control. But is it in your care, custody or control once you hand it off to the shipping company? I'd argue that it is until it safely reaches the "other" who owns the property. 1. Covered Property, as used in this Coverage Form, means: a. Musical instruments and related equipment and accessories listed in the Declarations; and b. Similar property of others that is in your care, custody or Yes.