Persephone Emerald

A friend of mine rents land at Elf Haven & is happy with the sim owners there.They're been in SL for years & are very reliable. As for replacing your lost property, try to get most of your items free, cheap, or Copyable in the future. You can find tons of free & cheap items on SL marketplace by searching on the kind of item you want & then searching from lowest to highest priced. There are always horror stories about people losing all their inventory or some such fiasco. If you don't spend much money in virtual possessions, you won't worry about losing them.

Us premium users get slapped in the face too, just not as hard. We pay for support on tickets that never get a fixed.