Route Insurance is optional coverage that goes well beyond typical insurance.
Route does cover any form of damage incurred during shipping and when the carrier simply loses or misdelivers your order. A new order can be generated on your behalf to ensure you get what you ordered without dealing with the shipping carrier and filing claims, which both take a lot of time and may result in little actual help.
But more importantly, the coverage does not end there. The theft of delivered packages from your home is becoming more prevalent. Route also covers package theft that occurs after the carrier leaves it at your delivery address. Given the cost of your spare tire order, please consider including the low-cost Route shipping protection for additional peace of mind.