Because Jingdong Logistics service details are clear:

Customers choose to insure the price when delivering goods, and pay the insured fee based on the declared value of the goods. If the goods are damaged or lost due to Jingdong Logistics' responsibility, the insured will be charged according to the statement. Compensation will be made in proportion to the value and loss, up to a maximum of the actual loss of the goods. If the declared value is not filled in or the insured price is not paid, compensation will be made as the uninsured price.