For context, these stipulations are mentioned in shopee:

Electronics Protection Service Benefits

1.Accidental and/or liquid damage coverage Covers damage to eligible electronic devices due to sudden, unintentional or unexpected events, including but not limited to, damage caused by collision, drop, compression, liquid, or fire.

1. Protection from damage or loss due to theft or robbery and burglary via forced entry or acts of violence Covers loss or damage to the electronic device arising from theft or acts of violence such as robberies.

2. Item replacement up to 100% coverage Covers the cost of replacing the damaged item up to 100% of the purchase price, which can be easily filed online.

Isn't it the responsibility of shopee or the 3rd party like courier to ensure that our orders are protected per Obligations and Contracts in Civil Code?

PS. I'm open to discussion and criticism as a first year law student too LOL