Lagos Life Assurance ("Wahala happens. Make it small.") lives in the Assurance app on your phone. You buy cover by category, choose a tier, and pay a weekly premium that renews every Saturday.
The six covers
| Cover | What it pays for | Linked risks |
|---|---|---|
| π Home | Fire, flood and storm damage at the home you live in | π₯ Fire at Homeπ Flood DamageβοΈ Storm Damage |
| πΊ Possessions | Burglary and theft: TVs, laptops, consoles, art, and your phone | π₯·πΎ Burglaryπ± Phone Snatched |
| π Vehicle | Road accidents and break-ins, every car in your garage | πͺ Car Break-inπ₯ Road Accident |
| π©Ί Health | Medical emergencies and hospital admissions | π Medical Emergency |
| πͺ Business | Fire and break-ins at the businesses you own | π§― Wahala at Your Business |
| π Investments | Softens what bad economic news does to your businesses', trailers' and buses' takings |
Tiers
Each cover comes in three tiers. Higher tiers pay out more of the loss, take a smaller deductible and cover more of the value:
| Tier | Pays out | Deductible | Cover limit |
|---|---|---|---|
| Basic | 60% | 2% | 10% |
| Plus | 80% | 1% | 20% |
| Premier | 100% | 0.4% | 40% |
Stepping up a tier mid-week only charges the difference for the days already paid. Cancelling refunds nothing.
What can go wrong
These are the incidents the game rolls for, their base weekly chance and how much of the value they damage:
| Risk | Covered by | Base chance | Damage |
|---|---|---|---|
| π₯·πΎ Burglary | Possessions | 0.8% | 25%β60% |
| π₯ Fire at Home | Home | 0.4% | 5%β12% |
| π Flood Damage | Home | 2% | 3%β8% |
| βοΈ Storm Damage | Home | 1.2% | 2%β5% |
| π± Phone Snatched | Possessions | 0.4% | 80%β120% |
| π Medical Emergency | Health | 0.3% | 50%β150% |
| π§― Wahala at Your Business | Business | 0.2% | 4%β10% |
| πͺ Car Break-in | Vehicle | 0.4% | 1%β2% |
| π₯ Road Accident | Vehicle | 0.2% | 2%β6% |
Your personal risk list in the app adjusts these by where you live and what you own. Coastal and luxury areas (Banana Island, Lekki) see more flood and burglary; rain weeks raise flood and storm risk; owning more cars raises break-ins and accidents. A creator living in Banana Island saw burglary at 2.8%, fire at 2.2% and storm at 3.6% in one week.
Economy events matter too: a Flooding week multiplies flood risk 2.5Γ and accident risk 1.5Γ.
Travel insurance
Trips have their own small cover, bought when you book: about 6% of the fare for flights, 10% for buses and 8% when you drive. It pays for lost bags, pickpockets and breakdown costs. See travel.
What to buy
- Business cover once you own a Car Wash or anything bigger.
- Investments cover for haulage trailers and buses.
- Possessions if you have expensive electronics, art or a gold vault.
- Home only in flood-prone areas or rainy weeks.
- Health is cheap; take Basic if you do a lot of gym and road travel.
A good habit: open the risk list every Saturday, insure the highest percentage you can't afford to lose, and skip the rest.
Questions players ask
Numbers come from the live game build and may change after updates.