Imagine you’re on an epic adventure in Ultima Online (UO), carrying shiny swords, magical robes, or powerful rings. What happens if a monster defeats you? Will you lose your precious items forever? Don’t worry! Ultima Online has a special feature called item insurance to keep your treasures safe.
Let’s learn How to Insure Items in Ultima Online step by step!
What Is Item Insurance?
Item insurance is like a magical shield for your belongings. When you insure an item, it stays with you even if you lose a battle and die. This means no one can take it from your body, and it will be safe in your backpack when you come back to life.
Why Should You Insure Items?
In Ultima Online, adventurers face dangerous monsters, powerful players, and unexpected surprises. If you’re carrying valuable gear like a rare sword or a special piece of armor, insuring them ensures you don’t lose them when you die. It’s a small price to pay for peace of mind!
How to Insure Your Items
It’s super easy to insure items in Ultima Online. Here’s how you can do it:
Step 1: Get Some Gold in Your Bank
Insurance costs a little bit of gold. Before you can start insuring items, make sure you have enough gold in your bank account. Each item you insure costs a small amount of gold when you die.
💡 Tip: Always keep extra gold in your bank for emergencies!
Step 2: Enable Insurance
To start using item insurance, you need to turn it on:
- Open your Character Options Menu.
- Look for the Item Insurance option.
- Click to enable it.
Once it’s on, you’re ready to insure your items!
Step 3: Insure Your Favorite Items
Now, let’s protect your most valuable gear:
- Open your backpack or paperdoll (character screen).
- Right-click the item you want to insure.
- Select the “Insure Item” option.
A little icon or message will appear to show the item is insured. Congratulations, it’s now protected!
Step 4: Check Your Insured Items
To see which items are insured, you can look for a small gold coin icon next to the item or use the Insurance Menu from the game options. Double-check before heading into dangerous places.
How Much Does It Cost?
Every time you die, insured items will cost 600 gold pieces each to stay protected. The gold is automatically taken from your bank, so you don’t need to worry about carrying it.
What Happens If You Run Out of Gold?
If your bank runs out of gold, your items won’t stay insured after you die. To avoid this, always keep some extra gold in your bank account. You can earn gold by selling loot, completing quests, or trading with other players.
What Items Can Be Insured?
Not everything can be insured, but here are some examples of items that can:
- Weapons like swords, bows, and staves.
- Armor pieces such as helmets, chest plates, and shields.
- Jewelry like rings and necklaces.
Items must be in good condition (not broken) to insure them.
When to Use Item Insurance
You don’t need to insure everything. Focus on insuring:
- Rare or expensive items.
- Items you use in combat or dungeons.
- Gear you cannot replace easily.
A Quick Reminder
Once an item is insured, you don’t have to insure it again unless you run out of gold. The game will automatically protect insured items as long as you have gold in your bank.
Ready to Adventure Safely!
Now that you know how to insure items in Ultima Online, you’re ready to face any danger! Protect your best gear, keep some gold in your bank, and enjoy your adventures without worrying about losing your favorite treasures.
