Buyer responsible for shipping damages

I've seen several ads in recent months stating the buyer assumes any damages occurring in transit. Initially I get frustrated that this blatant contradiction to Audiogon policy is touted so freely.  But then I am reminded that I was probably an Audiogon member for at least 6-7 years, having sold many pieces of gear, before I saw that policy somewhere here.  And at the time it seemed counter-intuitive somehow.  That is what insurance is for !  But then, I thought about buying ANYTHING from the web, and could not imagine any retailer who would balk at taking back some item that arrived at my house trashed.  Why would it be any different for me as a private seller?  So, it seems this is not common knowledge on the 'Gon.  I think Audiogon should make it more apparent to anyone posting a for sale ad.