Insurance

Insurance can be obtained from Lyle Jones who visits your town on Saturdays. Insurance can protect the person from bee stings and forged paintings. Insurance, though, is basically a scam. Forged paintings will only get the person 100 pennies from Lyle, but that is more than Tom Jones will pay for them (10 pennies per fake), bee stings are also only 100 pennies compensation. It costs 3,000 pennies 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.

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