Lagos Life Assurance（“Wahala happens. Make it small.”）在手机的 Assurance 应用里。按类别购买保险，选择档位，每周六续保并支付保费。
六种险种
| 险种 | 保障内容 | 对应风险 |
|---|---|---|
| 🏠 Home | Fire, flood and storm damage at the home you live in | 🔥 Fire at Home🌊 Flood Damage⛈️ Storm Damage |
| 📺 Possessions | Burglary and theft: TVs, laptops, consoles, art, and your phone | 🥷🏾 Burglary📱 Phone Snatched |
| 🚗 Vehicle | Road accidents and break-ins, every car in your garage | 🪟 Car Break-in💥 Road Accident |
| 🩺 Health | Medical emergencies and hospital admissions | 🚑 Medical Emergency |
| 🏪 Business | Fire and break-ins at the businesses you own | 🧯 Wahala at Your Business |
| 📊 Investments | Softens what bad economic news does to your businesses', trailers' and buses' takings |
档位
每种险都有三个档位。档位越高，赔付比例越高、免赔额越小、保额越高：
| 档位 | 赔付比例 | 免赔额 | 保额上限 |
|---|---|---|---|
| Basic | 60% | 2% | 10% |
| Plus | 80% | 1% | 20% |
| Premier | 100% | 0.4% | 40% |
周中升级档位只补交已付天数的差价。取消不退钱。
可能发生的意外
游戏会掷骰的意外、每周基础概率和损失比例：
| 风险 | 对应险种 | 基础概率 | 损失比例 |
|---|---|---|---|
| 🥷🏾 Burglary | Possessions | 0.8% | 25%–60% |
| 🔥 Fire at Home | Home | 0.4% | 5%–12% |
| 🌊 Flood Damage | Home | 2% | 3%–8% |
| ⛈️ Storm Damage | Home | 1.2% | 2%–5% |
| 📱 Phone Snatched | Possessions | 0.4% | 80%–120% |
| 🚑 Medical Emergency | Health | 0.3% | 50%–150% |
| 🧯 Wahala at Your Business | Business | 0.2% | 4%–10% |
| 🪟 Car Break-in | Vehicle | 0.4% | 1%–2% |
| 💥 Road Accident | Vehicle | 0.2% | 2%–6% |
应用里的个人风险列表会根据你住哪、拥有什么调整这些概率。沿海和高档区域（Banana Island、Lekki）水淹和入室盗窃更多；雨季周水淹和风暴风险更高；车越多，车被撬和事故风险越高。一位住 Banana Island 的博主某周看到入室盗窃 2.8%、火灾 2.2%、风暴 3.6%。
经济事件也有影响：洪水周水淹风险 ×2.5、事故风险 ×1.5。
旅行险
出行有单独的小额保险，订票时购买：航班约票价的 6%、大巴 10%、自驾 8%。它赔付丢行李、被扒和抛锚费用。见出行系统。
买哪些
- 拥有洗车行或更大的生意后，买生意险。
- 有货运拖车和大巴的话，买投资险。
- 有昂贵电子产品、艺术品或金库的话，买财物险。
- 住房险只在易涝区或雨季周买。
- 健康险很便宜，常去健身房、常跑长途的话买个 Basic。
好习惯：每周六打开风险列表，给你承受不起的最高概率风险投保，其余跳过。
玩家常问
数值取自游戏线上版本，游戏更新后可能变化。