When Consumers Enter into Contracts to Purchase Goods That Will

When consumers enter into contracts to purchase goods that will be delivered by common carrier,should the seller be required to insure the item until it reaches the purchaser? Many consumers are not aware of risk of loss rules and would be surprised to know that they must pay for an item that never reaches them.Given the increasing number of consumer purchase contracts over the Internet that involve a carrier,should such a rule be implemented,or should the parties be free to contract as they wish?