No, not THAT insurance. A whole new insurance system. Take an item to the appropriate NPC ( sword to weaponsmith, bracelet to jeweler, etc... ), and pay them to insure the item. Once insured, the one who insured the item will be able to see that it is insured on mouseover, but nobody else can. Upon death, your items may be looted same as it is now, except the looter may return the item to the proper NPC and see if they can collect a finders fee for it ( which would be 50 - 75% of the insurance fee paid ). You may go to the proper NPC and see if your insured item has been found, and retrieve it. The looter may decide to keep it and wear it, but those with high forensic evaluation skill may discover that it is stolen property, you turn grey to them and are freely attackable. If they kill you, they can claim the finders fee for themselves. Or possibly call guards who will arrest you, take the stolen items, and throw you in Yew Prision. Any comments or suggestions for improvements?