But many companies skip the insurance, because it is cheaper to just cover the losses themselves, IF the consumer actually insists on them doing so.
Unless the company can prove personal (signature) or secure delivery (delivery to a locked box), it is on the sender. "Proof" that a box was left in front of a door is not sufficient.
And of course insurance will require that a signature be obtained.
It's just companies cheaping-out, and the lack of convenient alternatives. We need more pick-up points like Amazon Lockers, now that an increasing number of purchases are made online and delivered to the home.
As a consumer, it is NOT YOUR RESPONSIBILITY to install security systems to catch thieves. And it is NOT YOUR RESPONSIBILITY if the package is lost. If you want to spend some $$$ on cameras and such as a CONVENIENCE so that you will not have to have packages re-shipped, go for it! Otherwise, don't bother.
Even insured, it is the responsibility of the seller - THEY have to file the claim. But they largely don't want to be bothered. In EITHER case, if you have any trouble, start a credit-card charge-back. First, the company will threaten you, saying "oh, charge-back, we can't talk to you any more!". Then, if you insist, they will offer to replace the package once they have proof that the charge-back has been removed. If they don't follow-through, just start the charge-back again.