Grab your own free version of Dalewj’s new book (Diaries of Afterworld)!
I suggested this to the devs a long time ago so i thought now would be an appropriate time to bring the idea up again to them...How about ...
the insurance idea is simple its nothing to be taken advantage of ... some people in AW can spend hundreds of $/£ on some of their gear they are carrying and needing ... So to have insurance for your items is not so far fetched.