Many players each day, page the staff and complain about "losing" items.  We DO NOT replace player items that just "disappear"  Out server reports/logs all items that are removed or "lost". 
 
I have only had 1 incident where it was a legitimate "missing item" was our fault, that we had to remove.

The fact is that out of the dozens of reports, 99% of the missing items were found or were lost due to human error.

Before you make a report to a gm, please check this list

Here are some of the common reasons I have seen for "lost" items in my investigations:

1. Misplaced the item, it turns up in another bag, bank or at your house.  The item may be same color as another and blends in, or it may be under another item.
2. The item lost durability and was not repaired, it then "disappears" when it breaks
3. If you fight a monster that uses an acid attack, you may lose durability/item so beware!
4. Players can steal from you in Felucca!
5. Guildmates and Alliances can steal from each other anywhere
6. Some boss monsters can "eat" or unbond your pets, read the wiki for info!
7. You must feed your pets or they can go wild and be "lost"  If you are missing a pet, check the stables, use [getpet and look at your control slot count.  Also ask yourself did you bond your pet?
8. Lack of money to pay for the auto insurance
9. Overweight backpack causes items to drop out of your pack.  This commonly happens when you are killed and your bag of holding dumps out to your main pack
10. Looted by a player or by certain monsters, they can "rummage through your pack" and steal items
11. Forgot to lock down/secure an item or chest in your house
12. Players stand around afk and get killed/looted
13. Did you drop your item into your trashbag?
14. Was your item cursed, it can be looted!
15. Did an item disappear due to a crash or revert?  Sorry we cannot replace items if we had to revert back to an earlier save.  If you get disconnected/crash, pets are usually found in the stable
16.  Does anyone else have access to your acct?  Does anyone else have access to your house?  Many times a girlfriend, roomate, sibling etc took the item if your acct is not secure
17. If you "lend" an item to another player and they dont log back in, there is nothing a GM can do.
18. Make sure you always have gold in your bank, not a bank check.  Insurance and vendors check the bank first for gold, then the gold ledger.  If you are dead, and have no gold in the bank, this may set your items to not be insured
19.  The gold ledger is a complicated script and has room for error upon instances of death, insurance and vendors.  Only use 1 gold ledger!  Only use 1 loot bag!  If you try to use multiple items you may confuse/glitch the script

20. Add gold to your vendors, if they run out, they will leave and steal all your items

Thanks for the post - however there are some other things that I personally have experienced here that I feel I must express.  First of all, I am a veteran player and am very familiar with insurance and how it works. I have had my items insured from day one on the shard, set to auto renew and have never ever run out of money to pay for it. This is a custom shard and the system has been modified, see #18

On three different occasions I have had items just "unininsure" themselves and if I had not been checking them would not have known and re insured them. On two different other occasions I have lost things when I died, things that were insured, things I should not have lost.  Was not overweight either time (which seems to be the reason that gets thrown around) and Dante did make good on the items the first time. Acid attack, see #2, low durability #3, and being overweight are the most common cause

So what is going on with insurance? See #18 Why have it at all if you still are going to lose your hard earned stuff anyway and then get blamed for it? I am not trying to be a pain here - I love the shard and am having fun but this seems like a legitimate bug and I feel its not being addressed.  Bottom line, if its insured or blessed should be in your pack when you die regardless of anything else. Overweight or not, body or no body, should be in your pack no matter what. That is not happening and its not happening on a pretty consistent basis.
 

Thanks for the post - however there are some other things that I personally have experienced here that I feel I must express.  First of all, I am a veteran player and am very familiar with insurance and how it works. I have had my items insured from day one on the shard, set to auto renew and have never ever run out of money to pay for it. On three different occasions I have had items just "unininsure" themselves and if I had not been checking them would not have known and re insured them. On two different other occasions I have lost things when I died, things that were insured, things I should not have lost.  Was not overweight either time (which seems to be the reason that gets thrown around - like its somehow my fault) and Dante did make good on the items the first time. But this has happened not only to me and my guild mates but I see it happening a LOT. So what is going on with insurance? Why have it at all if you still are going to lose your hard earned stuff anyway and then get blamed for it? I am not trying to be a pain here - I love the shard and am having fun but this seems like a legitimate bug and I feel its not being addressed.  Bottom line, if its insured or blessed should be in your pack when you die regardless of anything else. Overweight or not, body or no body, should be in your pack no matter what. That is not happening and its not happening on a pretty consistent basis.

I've witnessed this happening before as well. Just gotta keep an eye on your stuff. check it frequently. especially after server crashes.

before every UO session i play, ill clear out my bag of randomness to get my weight down (so i can collect tyrant chests) as well as double check gear durability (i fight a lot of acid creatures) and while im at it i usually check the insurance too.  i dont do that so much for checking for a bug, but more as a gameplay habit.  but i have seen items randomly uninsured on very few occasions.

I've witnessed this happening before as well. Just gotta keep an eye on your stuff. check it frequently. especially after server crashes.

before every UO session i play, ill clear out my bag of randomness to get my weight down (so i can collect tyrant chests) as well as double check gear durability (i fight a lot of acid creatures) and while im at it i usually check the insurance too.  i dont do that so much for checking for a bug, but more as a gameplay habit.  but i have seen items randomly uninsured on very few occasions.

Bless all your stuff. Problem solved!