Insurance
Insurance can be obtained from Lyle in Animal Crossing: Wild World, who visits your town on Saturdays. Insurance can protect the player from bee stings, forged paintings, and tripping, 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). The backdraw of this method is that you have to wait until Lyle next comes around. This can be between 1-5 days depending on when Crazy Redd comes to town. Nee stings are also only 100 Bells compensation. This is pretty much pointless if you don't shake trees. 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. Basically, only buy this insurance if you have so much money that you can start burning it.
Insurance only appears in Animal Crossing: Wild World. It does not appear in Animal Crossing: City Folk, since Lyle is now working for the Happy Room Academy.
| Tripping | 100 Bells |
| Forged Painting | 100 Bells |
| Bee Sting | 100 Bells |
