From the Star Citizen Wiki, the fidelity™ encyclopedia

Insurance is a means of protection from financial loss. It is a form of risk management, primarily used to hedge against the risk of a contingent or uncertain loss. Characters will be able purchase insurance policies in-game.[1]

Insurance companies

An entity which provides insurance is known as an insurer, an insurance company, an insurance carrier or an underwriter. There are several in-game companies that provide both health and property insurance.

Insurance products

In Star Citizen players will be able to insure properties from loss. That includes player characters, cargo,[2] ships and homesteads.

Ship insurance

Pilots in Star Citizen will be able purchase insurance policies in-game for their fleet. This ensures that your ship will be replaced should it be destroyed or stolen.[1]

Currently, on the Alpha and Public Test Universe (PTU), all ships and vehicles are given a basic insurance plan that does not expire to facilitate testing. At this time, it requires no upkeep or fee for players to acquire basic ship loss coverage. There may be a fee to file a claim or expedite a replacement, however.

Homestead insurance

Homesteads in registered land claims will be able to be insured.[3]


  1. 1.0 1.1 SHIP INSURANCE FAQS. Knowledge Base
  2. INSURANCE FAQ. Scw - Comm-Link
  3. Q&A: UEE Land Claim Licenses 2. Engineering - Comm-Link
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