Location · demo-live · structured-reference
Joe Wild’s Insurance
Last checked: · 049-Rev3-L (reference-reported)
Direct answer
Joe Wild’s insurance is a nightly theft service, selected before sleep. After a burglary his crew returns the stolen item by morning; the service is not a blanket refund for seized, sold or poorly priced stock.
Check the risk before subscribing
The recurring charge belongs in the nightly expense budget. Compare the exposed inventory and existing theft protection rather than assuming insurance improves every shop equally. Vigilant prevents nighttime robbery directly, whereas insurance responds after a covered burglary.
| Billing | Nightly selection and recurring charge |
|---|---|
| Lower Levels −60 | Insurance cost ×2 |
| Black Market −60 | No insurance |
Reputation changes availability
Lower Levels standing can double the fee, and sufficiently poor Black Market standing removes the option entirely. Buying the service once does not override those conditions. Read the current overnight selection and fee before ending the day.