Description
UltimateItemInsurance is a premium GUI-based item insurance plugin and a balanced alternative to Minecraft keep inventory. Instead of letting players keep everything for free, players can buy insurance for selected items and recover them safely after death.
Perfect for survival servers that want death to stay meaningful while still giving players a fair way to protect their most valuable gear.
The main insurance menu - claim items, insure gear, inspect policies, and view help.
Key Features
- Balanced Keep Inventory Alternative: Players protect selected items instead of keeping everything for free
- Fully GUI-Based Insurance System: Buy insurance, claim saved items, and inspect policies through clean menus
- Item-Specific Insurance: Players choose exactly which items they want to protect
- Private Claims Vault: Insured items are saved after death and recovered with /insurance claim
- Multiple Policy Types: Basic, Premium, and Ultimate policies with configurable uses and price multipliers
- Player-Specific Insurance: The same item can hold separate insurance records for different players
- Insurance Toggle: Players can enable, disable, or toggle protection without wasting insurance
- Dynamic Pricing System: Prices use base item cost, policy multiplier, death multiplier, and bulk discounts
- XP Currency Support: Use vanilla Minecraft experience points as the default payment method
- Custom Currency Mode: Use PlaceholderAPI balances and console withdraw commands for custom economies
- YAML, SQLite & MySQL Storage: Choose simple file storage or database storage for larger servers
- Fully Configurable GUI: Customize titles, sizes, slots, materials, names, lore, fillers, and policy displays
- Hex & Legacy Color Support: Use modern hex colors and classic Minecraft color codes
Players place items into the buy menu, select a policy, and confirm the insurance purchase.
How It Works
- Players open the insurance menu with /insurance
- They use /insurance buy to place items into the insurance purchase menu
- They select a policy such as Basic, Premium, or Ultimate
- The plugin calculates the final price using pricing modifiers and discounts
- After payment, the items are returned with invisible insurance data
- If the player dies while insurance is enabled, insured items are removed from death drops
- Protected items are saved inside the player's private claims vault
- Players recover saved items with /insurance claim
The claims vault lets players safely recover insured items after death.
Commands
- /insurance: Open the main insurance menu
- /insurance buy: Open the item insurance purchase menu
- /insurance claim: Open your private claims vault
- /insurance info: View insurance info for the item in your hand
- /insurance on: Enable insurance protection
- /insurance off: Disable insurance protection
- /insurance toggle: Toggle insurance protection on or off
- /insurance reload: Reload plugin configuration files
- /uii: Command alias
Permissions
- ultimateiteminsurance.use: Open and use the insurance system
- ultimateiteminsurance.reload: Reload plugin configuration files
The info GUI lets players inspect an item’s insurance status, policy uses, and protection details.
Insurance Policies
- Basic Policy: Affordable one-use item protection
- Premium Policy: Medium-cost protection with multiple uses
- Ultimate Policy: Higher-tier protection for valuable gear
- Configurable Uses: Set how many times each policy can protect an item
- Configurable Multipliers: Adjust the price multiplier for every policy
Pricing System
- Base Item Price: Starting cost for each insured item
- Policy Multiplier: Better policies can cost more based on their protection value
- Death Multiplier: Recent deaths can increase insurance prices
- Bulk Discount: Insuring multiple items at once can reduce the total price
Currency Support
- XP Currency: Use vanilla Minecraft experience points for insurance purchases
- Vault Economy: Works with Vault-compatible economy plugins
- PlayerPoints: Supports PlayerPoints-based premium or token currencies
- Custom Currency: Use PlaceholderAPI balance placeholders and console withdraw commands
- Configurable Withdraw Commands: Supports placeholders like player name, UUID, and amount
Why Choose UltimateItemInsurance?
- A fair and balanced alternative to keep inventory
- Lets players protect only the items they care about
- Keeps death meaningful without making it too punishing
- Clean GUI system instead of complicated commands
- Safe claims vault prevents item loss from full inventories
- Great for survival, PvP, SMP and factions servers
- Highly configurable while staying lightweight
- Premium support and regular updates
Add a polished item insurance system to your server and give players a fair way to protect their best gear without enabling full keep inventory!