Inventory items vs Vault items

At-Risk Items:

• Looted or scavenged gear is At-Risk—you’ll lose it if you die or drop it.
• To upgrade their safety, put them into your vault while paying a small insurance fee at a Vault Access Station:

Insured Items:

• Once an item is insured you see a Protection icon in your inventory view.
• Any item you purchase from the Web marketplace or in the game is insured so you don’t have to pay an insurance fee.
• You can carry it around safely without worry or put it back to your Vault to store it without paying any fee again.

Selling Price Difference:

• Insured items hold their value better, selling for 20% of their worth.
• At-Risk items? They only sell for 1%, so be strategic with what you keep or sell.

Keep in Mind:

• Insuring your items is like marking them as untouchable—no matter what happens, they’ll always remain yours unless you decide to sell them.