ultima online insurance

In Ultima Online (UO), the Insurance system allows players to protect their valuable items from permanent loss upon death. Here's how it works: How Insurance Works in UO Insuring Items: - Players can visit an Inscriber NPC (found in most towns) to insure items. - Only blessed or newly crafted items can be insured. - Insured items are marked with a blue hue in your backpack. Cost: - The cost to insure an item is 1% of its base value (as listed in the item's tooltip). - Example: An item worth 1,000 gold costs 10 gold to insure. Death & Item Recovery: - If you die while carrying insured items, they do not drop on your corpse. - Instead, they remain in your bank box (accessible via a banker NPC). - You must claim them from the bank to use them again. Uninsured Items: - Uninsured items will drop on your corpse and can be looted by other players (on PvP/Felucca rulesets) or decay over time (on Trammel rulesets). Pros & Cons of Insurance Pros: - Prevents permanent loss of valuable gear. - Essential for high-end PvP or dungeon runs. - Affordable for most players. Cons: - Cannot insure all items (e.g., some event rewards, artifacts). - Must manually re-insure items after reclaiming them from the bank. - Adds an extra gold sink to the game. Tips for Using Insurance Prioritize high-value items (weapons, armor, rare artifacts). Check insurance status before risky encounters (PvP, boss fights). Use "Auto-Insurance" (available on some servers) to automatically insure newly acquired items. Would you like details on a specific UO server's insurance mechanics (e.g., official vs. private shards)?