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Right click on it in your inventory, or in your GEAR box and hit 'insurance'
When in warehouse, in the bottom left you can see how many insurance dollars you have (the wrench loocking thing, not the T, which is money.
It will cost you Wrench money to insure it.
If you look at your item, when you hover over it - on the top banner will be a SHIELD icon, if it is insured.
https://i.imgur.com/qlwm7HB.png
See the items without a shield:
https://i.imgur.com/qi5tb8l.png
Levitation boots arent insured - but the ones with shield are.
--
You get insurance dollars by selling gear. You don't sell gear for money.
But use my save-scumming-script for managing backups so you dont loose gear.
CR is still strange.
I restarted the Game several times, but didn't solve the problem!
I have checked my game files for errors. No results.