Insurance

Insurance can be obtained from Lyle in. He visits the players town every Saturday. Insurance can protect the player from bee stings, forged paintings, and tripping. Forged paintings will get the player 100 Bells from Lyle, while Tom Nook will pay 10 Bells. Players have to wait for Lyle's next arrival; in order to receive the 100 Bells. This can be between one to five days, depending on when Redd comes to town. Bee sting victims also only receive 100 Bells.

Insurance costs 3,000 Bells. The player can make enough money to cover what was lost after 30 bee stings or by buying the King Tut helmet. By wearing the King Tut wig, the player may trip while running. Therefore, if the player trips 30 times, he or she will receive the equivalent amount of Bells used to pay for the insurance. Wild World is the only game that features insurance.