New PayPal Seller Question

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Dec 11, 2004
 I'm officially inexperienced with any transaction "as a seller" online and recently received a payment from a buyer. My concern is that it says that my seller protection is Not Eligible for coverage, although the buyers address is confirmed and account is verified. The money has cleared to my account balance on PayPal although my bank account is not yet directly linked to my account. I usually just buy things on eBay for myself. I'm hesitant to ship the item because I know how many people get burned through PayPal's resolution process. Anyone who has done countless sales or is willing to help me out, I appreciate it. 
 
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