Police say a USPS worker was caught on camera swiping 3 iPhones and a $2,549 ring — but Priority Mail covers just $100. Are you protected?

The case also raises a question for anyone sending gifts this holiday season: If a package goes missing — or gets stolen en route — how much money can you actually recover?

The answer depends on the shipping service, the insurance purchased and the circumstances surrounding the loss. For customers relying on Priority Mail’s standard coverage, the protection may fall far short of the value of the items inside.

Police say postal worker allegedly stole over $6,500 in merchandise

According to Local 10 News, a U.S. Postal Inspection Service special agent informed Hialeah police of an ongoing investigation into postal service employee Avery Yarber. The agent installed two surveillance cameras inside Yarber’s postal vehicle on Oct. 9.

The surveillance video obtained by Local 10 News appears to show Yarber opening four packages on Oct. 14. Authorities said the packages contained two iPhone 18 Pro devices, an iPhone 18 Pro Max and a 14-carat ring with two letter initials, totaling over $2,500.

Yarber was arrested on charges of third-degree grand theft and removing or taking mail, according to the report.

The incident is a reminder that even packages handled by established delivery services can be vulnerable to theft. And, with holiday shopping ramping up, consumers sending expensive gifts by mail may want to check their coverage before handing over a package.

What does USPS insurance cover?

The USPS includes up to $100 in insurance with most domestic Priority Mail and Priority Mail Express services. The same basic coverage is included with USPS Ground Advantage, subject to applicable requirements and restrictions, according to the Postal Service’s insurance guidelines.

That means someone shipping a $2,549 ring using Priority Mail’s standard coverage could have a substantial gap between the item’s value and the included insurance limit.

USPS allows customers to purchase additional insurance for eligible merchandise, with coverage available up to $5,000. The price, however, depends on the declared value and applicable fees.

However, coverage is not a guarantee of reimbursement for every missing package. Once you file a claim online (or by mail), USPS insurance only addresses eligible losses, damage and missing contents. You’ll need proof of value, insurance and damage or theft.

How to reduce a potential financial blow

There are several steps consumers can take to reduce their financial exposure when mailing expensive holiday gifts.

First, consider purchasing additional insurance. If you’re shipping a smart phone, jewelry or another pricey present, check whether the included coverage is sufficient — and purchase additional protection when necessary and available.

Second, keep documentation. Save any proof of value, such as photographs of the item and receipts, as well as your mailing receipt. You’ll also want to keep your tracking number should you need to file a claim.