'Default off' (unchecked) is an option. For all non-Shopify merchants, however, we'd highly recommend you leave the box as 'default on' (auto-checked), like 98% of our other merchants. 

Merchants who use the opt-out option see better results with Route package protection

• increased conversion of 23%
• decreased customer service
• decrease returns

On average, merchants who have their box unchecked only (opt-in) have 8% of their store covered.

If you would like the functionality of your checkbox changed, please use this link.