diff --git a/project/src/helpers/ItemHelper.ts b/project/src/helpers/ItemHelper.ts
index 5021c9b1..30d08b97 100644
--- a/project/src/helpers/ItemHelper.ts
+++ b/project/src/helpers/ItemHelper.ts
@@ -403,12 +403,12 @@ export class ItemHelper
      * A variant of findAndReturnChildren where the output is list of item objects instead of their ids.
      * @param items Array of items (item + possible children)
      * @param baseItemId Parent items id
+     * @param modsOnly Include only mod items, exclude items stored inside root item
      * @returns An array of Item objects
      */
-    public findAndReturnChildrenAsItems(items: Item[], baseItemId: string): Item[]
+    public findAndReturnChildrenAsItems(items: Item[], baseItemId: string, modsOnly = false): Item[]
     {
         const list: Item[] = [];
-
         for (const childItem of items)
         {
             // Include itself
@@ -418,6 +418,13 @@ export class ItemHelper
                 continue;
             }
 
+            // Is stored in parent and disallowed
+            if (modsOnly && childItem.location)
+            {
+                continue;
+            }
+
+            // Items parentid matches root item AND returned items doesnt contain current child
             if (childItem.parentId === baseItemId && !list.find((item) => childItem._id === item._id))
             {
                 list.push(...this.findAndReturnChildrenAsItems(items, childItem._id));
diff --git a/project/src/services/InsuranceService.ts b/project/src/services/InsuranceService.ts
index 638b3209..bcd46906 100644
--- a/project/src/services/InsuranceService.ts
+++ b/project/src/services/InsuranceService.ts
@@ -265,7 +265,7 @@ export class InsuranceService
                     pmcData: pmcData,
                     itemsToReturnToPlayer: this.getInsuredItemDetails(
                             pmcData,
-                            this.itemHelper.findAndReturnChildrenAsItems(Object.values(preRaidGearHash), preRaidItem._id),
+                            this.itemHelper.findAndReturnChildrenAsItems(Object.values(preRaidGearHash), preRaidItem._id, true),
                             offraidData.insurance,
                         ),
                     traderId: insuredItem.tid,