One of the essential parts of the "Metal Gear Solid V: The Phantom Pain" is its ability to consolidate and keep your stuff using the Forward Operating Bases (FOB), but even with the trusted base, others are still able to steal your items.

However, that's going to change soon with their new feature called the FOB insurance. According to PC Gamer, players can now protect their stuff by insuring their base using MB Coins that can be bought using real money or earn as the game progresses. Once a base is insured, your stuff will remain on your base. Some players may still be able to steal your loot, but in reality, the items that were stolen remain available in your base.

According to ArsTechnica, the FOB Insurance may be a little bit odd as it serves an imbalance on the game's concept. 

The primary role of the multiplayer feature of "Metal Gear Solid V" is to steal the stuff of other players, which the FOB Insurance literally invalidates the challenge. 

Sure, the stuff can still be stolen, but the other party gets to keep them still. The FOB Insurance, just like real-life ones, require players to renew their policy, which means that a one-time payment will not forever cover the insured base.  The insurance subscription will be maintained using the MB Coins and will be renewed periodically.

As for the coverage of the policy, there are also limitations to what the insurance covers. For example, a paid FOB Insurance does not cover "abducted stuff held in the Brig" as well as items that were lost while they were defending the base as well as nuclear weapons. One significant scope of the insurance, however, is the stuff lost due to death or extraction.

As for the price of the insurance, it varies depending on how long you want to protect your loot, but they definitely don't come cheap. 

According to Neogaf, the FOB Insurance offers a three-day free trial, but for the succeeding days, players will be charged 50 coins for one day, 100 coins for three days, 200 coins for seven days and a staggering 300 coins for 14 days.

If you can actually defend your base and can afford to lose some of your items, you may not need to stress yourself getting the insurance. However, if you feel otherwise, the option to apply for an insurance and get your own policy may be wiser.