Insurance [General]
You've insured all your stuff against accidental loss and damage. Their team of extradimensional Mechanus lawyers will help replace your stuff if broken.Prerequisites: Profession Barrister 4 ranks or Knowledge Local 4 ranksBenefit: If one of the items you own breaks (that is, is destroyed by accident or malice rather than intentional use), then replacing it comes at a 50% discount. It only works for replacements, not new versions or upgrades, and the ever-present team of diviner lawyers also deny intentional indirect destruction such as letting an ally break your gear, or gross neglect. An item is considered owned if within your possession for at least 24 hours.
Normal: When something breaks, you pay full price to replace it.
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Eiji-kun's Homebrew (5607 Articles)
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