Insurance

Insurance can be obtained from Lyle in, who visits your town on Saturdays. Insurance can protect the player from bee stings and forged paintings, however, it is basically a scam. Forged paintings will only get the player 100 Bells from Lyle, but that is more than Tom Nook will pay for them (10 Bells per fake), bee stings are also only 100 Bells compensation. It costs 3,000 Bells and it is hard to make back the money lost by buying the insurance. However, you could make enough money to cover what was lost after 30 bee stings, or you could buy the King Tut helmet. By wearing the King Tut wig, you'll trip if you run. If you trip 30 times, you will receive the equivalent amount of bells you paid for the insurance.

Insurance only appears in. It does not appear in, since Lyle is now working for the Happy Room Academy.