Can I get a paypal refund after stolen package?

[nodakskip]

I ordered an copy of a rare comic lithograph off of ebay for $200.00. I sent the money(paypal) and the seller shipped the item. I work weekends and it was going to be coming Monday when I would be home. (USPS tracking). I was at work on sat when I got an email saying it was coming early on sat (1.29) I got a message on my phone of a missed call from my main door in my aparment building. (buzzer does to phones) I got home at 400pm and found no package. Not left in any parcel lockers. So it was stolen. Talked to my mail lady today and she was off sat and had a sub, but had a few reports of packages missing on sat when she was not working. So the sub just did the job horribly. The mail supervisor that called me said First class packages do not have insurance and that the sender did not buy any. (Still waiting to hear back from seller on that). All he said was "He was sorry." and he added a note in the scanner to not leave packages out in that building. As if the sub lady would have bothered with that if she didn't place it in the parcel lockers anyway. So does ebay/paypal have coverage for this or am I out money unless I try to get 200 back from the seller?

[kernowlass]

@nodakskip 

How do I open a dispute with a seller when a purchase goes wrong?

You can open a dispute in the Resolution Centre of your PayPal account within 180 days of payment if:
•You don’t receive the item OR service
•You receive an item but it’s significantly different than the description on eBay or on the seller’s website (or you receive a totally different product).

By opening a dispute, you can communicate directly with your seller to work out a problem transaction.

If you reach an agreement with the seller you can close the dispute. If you're still not happy with the result, you can escalate the dispute into a claim. Paypal will review the claim and decide on reimbursement.

These steps apply to Personal accounts. If you have a Business account, please log in to see the steps that apply to you.

To open a dispute:
1.Log in to your PayPal account.
2. Click on the transaction and use the resolve a problem option at the bottom of that details page.

Note:
•Generally buyers must wait at least 7 days from the date of payment to escalate a dispute for an item not received
•Where an item has not been received, please ensure you have given the seller enough time before opening a dispute

Do not close the dispute until you have a refund or your item.
If a seller states that they can't refund until you have closed the dispute don't believe them.
Escalate the dispute to a claim within 20 days (before it times out), if you need Paypal to get involved.

If that does not work then if you funded your paypal payment via a card then contact your card issuer and see if they will issue a chargeback.