Developed by Kinetic Games, Phasmophobia is a new horror game that got released in Steam early access last month and it’s definitely one of the best games to check out if you’re looking for something to play during the spooky season. Here’s how to get insurance money in Phasmophobia.
Getting Insurance Money in Phasmophobia
Whenever you complete a mission and return to the lobby, the results screen will show you how much money you get from completing your objectives and photos. You’ll also noticed an insurance category at the very bottom.
The first thing to note is that insurance has nothing to do whether a teammate dies or not. Even if you lose a teammate during a level, you won’t get any money or compensation for their death. Instead, insurance money is calculated based on the cost of additional gear you brought for the level.
For instance, if you brought additional paid equipment for a level such as the thermometer or parabolic microphone, you can get compensation for those items if you die. If you do die, you’ll lose all extra equipment that you brought for the level, but the insurance money allows you to recoup a bit of that loss.
On Amateur difficulty, you’ll get 50% of the cost of the equipment you brought. On Intermediate difficulty, you’ll get 25%, and Professional difficulty doesn’t offer you any insurance at all.
Because of this, it’s a good idea to experiment with the new equipment while you’re still playing on the lowest difficulty. If you happen to die and lose your gear, the cost of failure isn’t that high and you’ll have the chance to get familiar with the new tools before moving on to the higher difficulty settings.
That’s all you need to know about how to get insurance money in Phasmophobia. Be sure to search for Twinfinite for more tips and information on the game.
