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Hero Insurance

575 statements
111 feature instances
245 referencing feature instances

Hero Insurance	type	FeatureClass
Hero Insurance	label	Hero Insurance
Hero Insurance	page	HeroInsurance
Hero Insurance	comment	Heroes never get in trouble for plowing through buildings, demolishing half the city, killing seventeen people and injuring three, taking things that do not belong to them, or jaywalking, as long as they're being heroic. The necessary explanation seems to be that they've got very, very good insurance, that will take care of everything, including the costs of cleanup, repair, and presumably fat settlements for the people who want to sue the hero's spandex-clad bottom off. Of course, there's also the matter of Secret Identity: even if you wanted to sue Superman for damages, who exactly are you supposed to file your case against? At worst, the hero will face an Arson, Murder, and Lifesaving speech at the end, but often there's not even that. Morality doesn't come into play, as the consequences of the hero's actions are all but ignored. This is why even The Cape can get away with gross negligence for the safety of innocent people; it's assumed that somehow, nobody will get hurt, and the property damage tab will gladly be picked up by someone else. This trope often occurs with Hero with Bad Publicity, in that people's anger is wrongly directed at the hero, rather than at the villain who caused the trouble in the first place. Civilians who whine about rescues they don't like can often come across as Ungrateful Bastards when it doesn't seem to occur to them that they could end up enslaved, dead or worse if The Bad Guy Wins and the hero doesn't stop them. This is sometimes handwaved with the heroes actually mentioning that they've got insurance that will cover this—and is actually a specific rule featured in the old Comics Code—but it's unclear how any insurance company could do this and still turn a profit. Logically, they shouldn't be able to pay for the on-panel destruction unless they are also collecting mammoth premiums from many other superheroes who don't make big claims. So whenever Superman punches through a wall, somewhere, a less-violent hero like Oracle sees her premiums go up? That money has to come from somewhere! Other times the handwave comes from the fact that the hero is a billionaire and could pay for the rebuilds. This is a popular subject in the Deconstruction, where destructive heroes are often portrayed as not much better than the villains they're fighting. In less serious works, this trope can be lampshaded with Action Insurance Gag. However, many countries do have laws in place that prevent someone from being held liable for damage caused while saving someone's life. In the USA they are known as Good Samaritan laws. Similarly, common law has the "necessity defense": one can avoid conviction for illegal acts by showing that they were necessary to prevent a much greater harm note a real-world example: breaking into a house and stealing a fire extinguisher to put out a fire threatening to burn down the neighboring house. Such laws probably wouldn't apply in some of the more extreme cases of "heroic" destructiveness but is likely an easy enough excuse in situations where the damage caused is minor or where the threat stopped is sufficiently important. However, in some cases like bank robberies and other types of theft, stopping the villain always ends up costing more than just writing off what was stolen. At times, the Reset Button and Status Quo Is God will pay for most damages and unless Hilarity Sues and Plot Armor prevents this trope, heroes will never ever ever have to pay. A subtrope of Saved by the Awesome. See also Never Say "Die", A-Team Firing, No Endor Holocaust. Compare Designated Hero, Wrongful Accusation Insurance, Pay Evil unto Evil, and Paying for the Action Scene. Contrast Hilarity Sues. A real concern for the Walking Disaster Area. Commonly subverted by having the rescued begin Complaining About Rescues They Don't Like.
Hero Insurance	fetched	2024-03-23T12:16:03Z
Hero Insurance	parsed	2024-03-23T12:16:03Z
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Hero Insurance / int_1102a76a	type	Hero Insurance
Hero Insurance / int_1102a76a	comment	Quite a number of stages in the Aero Fighters series allow the player to destroy civilian buildings and vehicles, up to and including Monumental Damage—and very often, the player is rewarded for this. (This is, of course, exempting those buildings and monuments that turn into missiles or enemies.)
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Aero Fighters (Video Game)	hasFeature	Hero Insurance / int_1102a76a
Hero Insurance / int_13679a09	type	Hero Insurance
Hero Insurance / int_13679a09	comment	It's further touched on in reconstruction form later in Worm and the sequel Ward: Hero Insurance is literal for most high-profile teamsnote similar to the liability insurance carried by real-world high-risk professions like crane operators, and commercial and property insurance policies typically have some level of "Villain Insurance"-type coverage for when the mad tinker tests their new resonance canon on your storage shed. Mentions are made of collateral-damage-prone heroes having financial problems due to astronomical insurance rates, so most heroes quickly learn to use their powers in ways that minimize collateral damage. Major organizations like the PRC also typically have some sort of legal counsel dedicated to quietly settling lawsuits from people Complaining About Rescues They Don't Like and determining how much of the damage to the antiques store the heroes are actually liable for.
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Ward	hasFeature	Hero Insurance / int_13679a09
Hero Insurance / int_1367cea0	type	Hero Insurance
Hero Insurance / int_1367cea0	comment	Discussed in Worm after the bank robbery arc. When the Undersiders villain team robs the bank, Kid Win, part of the Wards hero team sent to stop them, pulls out an energy cannon that inflicted serious property damage - damage that inflicted costs that actually exceeded the amount of money that the Undersiders stole, and not counting other damages from the fighting. He is given a severe talking down by Director Piggot as a result of his misuse of the weapon and the costs of the damage he inflicted. However, issues of property damage are only brought up for "minor" villain confrontations. When Class S threats like the Endbringers or the Slaughterhouse Nine show up, all issues regarding property damage go right out the window and everything gets thrown at the threat until it is destroyed or driven off. It's further touched on in reconstruction form later in Worm and the sequel Ward: Hero Insurance is literal for most high-profile teamsnote similar to the liability insurance carried by real-world high-risk professions like crane operators, and commercial and property insurance policies typically have some level of "Villain Insurance"-type coverage for when the mad tinker tests their new resonance canon on your storage shed. Mentions are made of collateral-damage-prone heroes having financial problems due to astronomical insurance rates, so most heroes quickly learn to use their powers in ways that minimize collateral damage. Major organizations like the PRC also typically have some sort of legal counsel dedicated to quietly settling lawsuits from people Complaining About Rescues They Don't Like and determining how much of the damage to the antiques store the heroes are actually liable for.
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Worm	hasFeature	Hero Insurance / int_1367cea0
Hero Insurance / int_13b6da8c	type	Hero Insurance
Hero Insurance / int_13b6da8c	comment	Captain Hammer, of Dr. Horrible's Sing-Along Blog practically defines the trope. In his introduction alone, we see him jump onto a remote-controlled van, break its autopilot, jump off to flirt with a beautiful bystander, and all but abandon the vehicle to terrorize the streets. He also completely fails to prevent the theft of the goods inside the van, due to flirting with a yet another woman. Hence the only thing he actually accomplishes is needlessly endangering bystanders. And everyone loves him for it anyway due to his manly charisma. Did we mention that Dr. Horrible is a deconstruction of super heroes vs. supervillains?
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DoctorHorriblesSingAlongBlog	hasFeature	Hero Insurance / int_13b6da8c
Hero Insurance / int_164f5129	type	Hero Insurance
Hero Insurance / int_164f5129	comment	In a The Man from U.N.C.L.E. novelization, Solo and Kuryakin actually give a woman UNCLE's insurance agency's card, to pay for the hole they cut in her floor.
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The Man from U.N.C.L.E.	hasFeature	Hero Insurance / int_164f5129
Hero Insurance / int_17fa5f0a	type	Hero Insurance
Hero Insurance / int_17fa5f0a	comment	In Harry Potter and the Deathly Hallows, after a battle in a cafe, Harry and the others take the time to actually repair the damage. Only to save their own hides. Other Death Eaters would've seen the damage and known where they were. However, it is very considerate of Hermione to pay for the food they steal while they're on the run.
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Harry Potter and the Deathly Hallows	hasFeature	Hero Insurance / int_17fa5f0a
Hero Insurance / int_1beda93b	type	Hero Insurance
Hero Insurance / int_1beda93b	comment	In Sluggy Freelance the GOFOTRON crew doesn't seem to get in any trouble when they slice a giant broccoli monster into pieces, and one of said pieces crushes all the Innocent Bystanders.
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Sluggy Freelance (Webcomic)	hasFeature	Hero Insurance / int_1beda93b
Hero Insurance / int_20409a0a	type	Hero Insurance
Hero Insurance / int_20409a0a	comment	All of The Defenders (2017) shows from the Marvel Cinematic Universe: Daredevil (2015): The events of "The Incident" are addressed in the show. Wilson Fisk's rise as an organized crime boss is the result of exploiting government contracts for rebuilding efforts in Hell's Kitchen. It's made clear at multiple points that Matt Murdock doesn't have hero insurance. In fact there are several points where he almost gets arrested when police roll up while he's in the middle of doing something as Daredevil. The only reason they don't haul him in is that he's able to talk them down into going after the more dangerous fish. And the friction between Foggy and Matt throughout the last few episodes of season 1 and most of season 2 is implied to be because he knows just what's at stake if Matt gets arrested or killed. Fisk even manages to exploit this in season 3 by having Dex impersonate Matt's alter ego. Averted greatly for Frank Castle in season 2. He may be the Punisher who goes after crooks like the Mexican cartels, the Kitchen Irish and the Dogs of Hell, but he still gets arrested, charged with murder, and put through the process of a trial. Ditto for Jessica Jones (2015). In one episode, Jessica faces Audrey Eastman. She is a fashion designer who hates superhumans because her mother died during the Battle of New York. She holds the big green guy and the flag waver just as responsible for the destruction of New York as she does Loki or the Chitauri, and reasons that Jessica has to die before anyone else gets killed. Also an aversion: Jessica gets arrested for killing Kilgrave. Though Jeri Hogarth is able to secure her release or at least get her bail posted. Luke Cage (2016): Luke Cage may have cleared his name of the crimes that put him in Seagate prison in the first place, but he is still a fugitive from the law for breaking out of there.
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The Defenders (2017)	hasFeature	Hero Insurance / int_20409a0a
Hero Insurance / int_2212773a	type	Hero Insurance
Hero Insurance / int_2212773a	comment	Also lampshaded in Angel: after a Super Window Jump he comments that the demons were now good guys who "own a number of restaurants with pretty expensive windows".
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Angel	hasFeature	Hero Insurance / int_2212773a
Hero Insurance / int_2275c659	type	Hero Insurance
Hero Insurance / int_2275c659	comment	House: Dr. House in Real Life would have his medical license stripped and face multiple malpractice suits, if not actually be in prison. Members of his staff and the hospital would also find themselves in trouble. The hospital actually earmarks a portion of the budget for House-related lawsuits (although, due to the Arson, Murder, and Lifesaving trope also being in effect, House is well within this budget).
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Hero Insurance / int_29e2fa5b	type	Hero Insurance
Hero Insurance / int_29e2fa5b	comment	Crimson and Emerald: The Heroics Commission give Endeavor a warning due to the collateral damage he causes in his fight. Combined with his more negative publicity, it tells Endeavor it will be difficult to reclaim the #2 spot.
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Crimson and Emerald (Fanfic)	hasFeature	Hero Insurance / int_29e2fa5b
Hero Insurance / int_2fce14ae	type	Hero Insurance
Hero Insurance / int_2fce14ae	comment	Insurance is mentioned in the Wearing the Cape series, as are rules of engagement that explicitly say make every effort to avoid civilians in superhuman fights. Woe to the superhero who tries to play the Screw the Rules, I'm Doing What's Right! clause without an ironclad excuse.
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Hero Insurance / int_30fb143f	type	Hero Insurance
Hero Insurance / int_30fb143f	comment	ESP Ra.De.: The game, on multiple occasions, makes civilian buildings and vehicles in Tokyo-2 fair game—such as parts of Houoh High School, and the cars on the street just before fighting the "Izuna" Assault Tank in the shopping mall stage. There's no penalty, in-game or story-wise, for doing so. Averted with J-B 5th though, as his backstory says it's not only the Yaksa after him, but the Japanese Self-Defense Force as well.
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Hero Insurance / int_326c82c5	type	Hero Insurance
Hero Insurance / int_326c82c5	comment	Averted in the NCIS: Los Angeles episode "LD50", when the mall where the heroes stopped botulimin from being released billed the organization for the fish that died from their method of stopping the botulimin (holding the broken vial in the tank).
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NCIS: Los Angeles	hasFeature	Hero Insurance / int_326c82c5
Hero Insurance / int_3503ee70	type	Hero Insurance
Hero Insurance / int_3503ee70	comment	In Common Law, one of the leads foils a convenience store robbery... by driving his car through the front of the store. Doesn't seem cost effective.
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Hero Insurance / int_363e69e1	type	Hero Insurance
Hero Insurance / int_363e69e1	comment	The story Eiga Sentai Scanranger lampshades this, as a protestor points out the issue with the Scanranger teamâ€™s fights is the damage that the students then have to pay for. Not only is he proven wrong by turning out to be a monster, but this soon gets justified by the fact the rangers' backers also supply the people and resources to fix everything that gets broken during their fights.
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Hero Insurance / int_38ce5997	type	Hero Insurance
Hero Insurance / int_38ce5997	comment	The Boys (2019): Superheroes have quasi-immunity like cops while on the job. They can still be sued or charged for acting outside that. A-Train kills Robin by running into her while she's just barely in the street (one foot off the curb, as Hughie says). Later he lies and claims she was in the middle of the street while he was speeding past pursuing bank robbers. He can't be prosecuted so long as it was part of his crime-fighting, and this is explicitly said to be like the quasi-immunity law enforcement officers have while performing their duties, so the idea appears to have been codified by law in the show's universe. It's said he could still be sued, but Hughie's father says it would be too hard to prove wrongdoing. Butcher points out people simply want to believe that Supes are the good guys and thus ignore the collateral damage and all the problems of their vigilantism, though superheroes are shown carefully covering up actual blatant crimes they commit. When you are also backed by a multi-billion corporation and its marketing and legal departments, it is very easy to make people remain silent with their complaints or by outright forcing them to never mention anything by signing an agreement outside of court. Those few that insist on still making a fuss over the damage, destruction, or manslaughter get simply buried under litigation Vought can easily afford for years. Butcher does a small bit of investigating of concurrent crimes at the time of Robin's death proves internally it was false (and help recruit Hughie to his mission) but the uphill legal battle would still be brutal, thus much of the first season revolves around getting proof that A-Train is actually an addict and under the influence of Compound V at the time of Robin's death. In the past, Butcher and his team were semi-sponsored by the CIA, but after several bad incidents (an attempt at blackmailing Lamplighter to give them a link inside the Seven led to him killing Mallory's grandchildren) they were forced to be more of a freelance team and have a difficult time keeping together at the start of the series. Butcher still has numerous contacts because of that past association, though many bridges were also burned. The Boys do end up guilty of or accomplices in numerous murders, robberies, blackmail and trespassing, which forces them to go deep underground once Vought becomes more aware of their existence. They do rebuild their relationships as they uncover legitimate evidence, leading to all charges against them being dropped at the end of the second season, with talk of them heading an official counter-supe team for the CIA.
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Hero Insurance / int_39fe00f1	type	Hero Insurance
Hero Insurance / int_39fe00f1	comment	Dragon Age: Inquisition: The Inquisition functions as such for the player. If anything, a lot of tasks done by the Inquisition are about enforcing this trope since Thedas is still dealing with the aftermath of the Templar-Mage War. The general MO is for the player and team to go in, deal with/fix the problem and then use the Inquisition's resources to further fix any underlying problems. The people end up very happy seeing Inquisition forces show up and give them a lot of leeway Since they'll clean up any mess they make.
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Hero Insurance / int_3aab82a	type	Hero Insurance
Hero Insurance / int_3aab82a	comment	The Just Cause franchise, especially the third installment, which is set in Rico Rodriguez's home country of Medici. Rico can commit vandalism, murder, assault, vehicular manslaughter, theft, etc. and civilians will not say "boo" about it. He is already a national hero and can get away with anything.
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Just Cause (Video Game)	hasFeature	Hero Insurance / int_3aab82a
Hero Insurance / int_3b34143f	type	Hero Insurance
Hero Insurance / int_3b34143f	comment	Harry Potter: Before the fifth book, Fudge is quite committed to providing this for Harry, making several special exceptions for him to avoid him getting into too much trouble. He considers Harry, as "the boy who lived" a special case, a Double Standard that Snape criticizes, noting that Harry is better off being treated like any other student (a valid point, though hollow given Snape's bias to treat Harry worse than any other student). This bites Fudge in the ass when he attempts to dredge up these instances to smear Harry, at which Dumbledore points out that Fudge himself was happy to dismiss them at the time. In Harry Potter and the Deathly Hallows, after a battle in a cafe, Harry and the others take the time to actually repair the damage. Only to save their own hides. Other Death Eaters would've seen the damage and known where they were. However, it is very considerate of Hermione to pay for the food they steal while they're on the run.
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Hero Insurance / int_3c671179	type	Hero Insurance
Hero Insurance / int_3c671179	comment	Masks: A New Generation: Halcyon City, the setting for the game, not only has a significant super-powered population but is also such a Weirdness Magnet that the city has super-fast construction crews on standby to repair any damage that the villains or monsters of the week may cause.
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Hero Insurance / int_3c72ff3	type	Hero Insurance
Hero Insurance / int_3c72ff3	comment	XCOM Apocalypse: You have the option of paying for any collateral damage you do while cleaning buildings from aliens. If you don't, the owners may attack you the next time you have to go in. And there are also relationship hits from damaging buildings from the outside, which may require financial compensation for staying friends with the specified organization. It seems X-COM doesn't pay for repairing its own buildings on the outside (although this might be justified, since the expensive stuff is underground, the above ground stuff is just a damage buffer). However, all the organizations have their own fund sources and reserves and it is very much possible to drain those, thus depleting their ability to replenish their weaponry etc. - which basically means that subsequent raids are worth less if you also do damage to the buildings. Raiding for experience and items seems to be fine, although it also decreases the finances of the organization. In the original X-COM, you can, thanks to the miracle of modern agricultural insurance, burn an entire farm to ashes with no repercussions, although you are a UN task force and it's not like anyone in the area is still alive to sue. For that matter, burning down a section of a major city has no consequences beyond a minor point loss for civilians killed or troopers caught in gas station explosions.
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Hero Insurance / int_3defe34c	type	Hero Insurance
Hero Insurance / int_3defe34c	comment	Discussed in this comic from Boulet Corp.
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Hero Insurance / int_3e1e745c	type	Hero Insurance
Hero Insurance / int_3e1e745c	comment	Enchanted Forest Chronicles: Book 1 (Dealing with Dragons) mentions that a famous hero is mocked because, when he threw a rampaging giant into a lake to drown it, the resulting flood actually did more damage than the giant itself would have.
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Hero Insurance / int_44127c7c	comment	Power Rangers: The Rangers were bad about this. In the never ending series of the same name, the protagonists often leveled up to a quarter of the city they live in while fighting of some random mooks. Building destruction has been greatly toned down since 9/11, though. It has also often been lampshaded throughout the show's run. Early on, battles took place in the "abandoned warehouse district", presumably because abandoned warehouses are just begging to be blown up (or possibly because the city residents wisely abandoned the district when they noticed how often megazord battles took place there). Additionally, one warehouse was apparently still in use, as its smokestack was destroyed every week by the Dragonzord, yet it was remarkably good as new the next week - perhaps they really did have hero insurance? Partial aversion in Power Rangers RPM. When Sociopathic Hero Creepy Twins Gem and Gemma bust down the door to a candystore to stop a petty criminal, they are forced later on to repair the door themselves. They are, however, still off the hook for any damage incurred fighting the minions of the Big Bad, however. Averted regularly in Power Rangers S.P.D.: The SWAT Megazord's finisher involved flying the criminals' giant robots into low orbit, then turning into a cannon and blowing them away. Presumably SPD doesn't want that kind of ordnance going off within city limits. Also it has been shown that when the zords are on the move the Pink Ranger takes care of crowd control by directing traffic away from the combat zone. And the premiere shows the B-Squad's status by showing them cleaning up the wreckage from the A-Squad's mecha battle. Presumably when A-Squad goes AWOL and B-Squad takes over Earth's defense, they have lower-ranked cadets cleaning up their messes. The Pink Lightspeed Ranger did something similar to the Pink SPD Ranger, using her zord to clear the streets; only she evacuated cars directly... into her own zord...
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Hero Insurance / int_44836236	type	Hero Insurance
Hero Insurance / int_44836236	comment	The Dogs of War: The mercenaries planning a coup in a small African republic are told to take out insurance for a short sea voyage from Europe to Africa. Any survivors would swear that the covered party fell overboard, or lost a limb due to shifting cargo during a storm.
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The Dogs of War	hasFeature	Hero Insurance / int_44836236
Hero Insurance / int_4522fd1	type	Hero Insurance
Hero Insurance / int_4522fd1	comment	Averted in the Whateley Universe. An early story features an English class which specifically mentions that insurance and damage laws have evolved to address superhero-supervillain battles. Also, one of the major purposes of the school is to teach enough self-control that the kids are not destroying everything in sight while fighting the villain. And finally, in a novel set over Thanksgiving of first term, the kids find out that a brutal battle years ago in New York City has led to the point that everyone at school has to have a Mutant Identification card filled out in a meeting with the Mutant Commission Office, or they can't return to the school.
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Hero Insurance / int_455ede40	type	Hero Insurance
Hero Insurance / int_455ede40	comment	Subverted in Super Paper Mario, where Mario breaks Mimi's vase and is forced to work off the debt for the rest of the chapter - of course, since Mimi is working for the Big Bad, it's all just a scheme.
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Hero Insurance / int_4737c653	type	Hero Insurance
Hero Insurance / int_4737c653	comment	Elementary: Holmes and Watson break into multiple people's homes, hack or steal their phones, etc. to gain evidence. Not only are these felonies for which they could face time in prison, but since they consult with the police, all that evidence could be suppressed against defendants if this were revealed. However, aside from in one episode this never becomes a problem.
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Elementary	hasFeature	Hero Insurance / int_4737c653
Hero Insurance / int_4925a67	type	Hero Insurance
Hero Insurance / int_4925a67	comment	Averted in Shrek 4D at Universal Studios, as when Shrek accidentally destroys The Gingerbread Man's house, he tells him, "I hope you're insured!"
Hero Insurance / int_4925a67	featureApplicability	-1.0
Hero Insurance / int_4925a67	featureConfidence	1.0
Shrek 4D	hasFeature	Hero Insurance / int_4925a67
Hero Insurance / int_494e9479	type	Hero Insurance
Hero Insurance / int_494e9479	comment	The Soulmate Timeline has this come up despite the fact that most magical girl fights take place in other dimensions. Mami, who often needs to leave school to go after witches and also likes to keep up her impeccable record of attendance and avoid trouble, has taken to causing minor damage to the school's gas pipes to induce immediate school evacuations. While she's very careful to only cause enough to be noticed and not endanger anyone, she's been doing this for years to a point the school's chronic gas pipe repairs have caused the city's taxes to go up. Homura makes note that they mustn't let Sayaka know the truth about the gas leaks as if she contracts she'll likely abuse this just to get out of school days.
Hero Insurance / int_494e9479	featureApplicability	1.0
Hero Insurance / int_494e9479	featureConfidence	1.0
The Soulmate Timeline (Fanfic)	hasFeature	Hero Insurance / int_494e9479
Hero Insurance / int_49ff762	type	Hero Insurance
Hero Insurance / int_49ff762	comment	The Doctor causes destruction and mayhem on a regular basis—on one occasion draining the River Thames—and he never sticks around to clear up the mess. It is kinda hard to charge him for damages considering he can simply escape by jumping around through time and space. Not to mention changing his appearance every now and then. Easily explains his mixed reputation among those people who know about him, though. This is why the original Torchwood had him listed as an enemy in their charter. They were founded when Queen Victoria saw him in action; she knighted him for his heroism then banished him for his crimes (and for being too damn cheerful about the deadly werewolf attack).
Hero Insurance / int_49ff762	featureApplicability	1.0
Hero Insurance / int_49ff762	featureConfidence	1.0
Torchwood	hasFeature	Hero Insurance / int_49ff762
Hero Insurance / int_4a291e3d	type	Hero Insurance
Hero Insurance / int_4a291e3d	comment	Demonbane: entire city blocks are wiped out in every single battle, yet life in Arkham City continues as though nothing is wrong, and only cursory attention is paid to the damages and loss of life. The fact that the hero is working for the Hadou Group, which effectively owns the city and is rich enough to do whatever they want, explains why they are never held accountable, though it is mentioned several times that the people of the city are uncertain as to whether Demonbane is truly a "hero of justice" or just another rampaging threat. Finally subverted after Cthulhu's summoning, which results in Arkham City getting wiped off the face of the Earth, though most of the population survives via underground shelters.
Hero Insurance / int_4a291e3d	featureApplicability	-0.3
Hero Insurance / int_4a291e3d	featureConfidence	1.0
Demonbane (Visual Novel)	hasFeature	Hero Insurance / int_4a291e3d
Hero Insurance / int_4a7dd83e	type	Hero Insurance
Hero Insurance / int_4a7dd83e	comment	Averted in Lockwood & Co., as the heroes' negligence makes them ineligible for their fines to be covered by the ghost-hunting government agency.
Hero Insurance / int_4a7dd83e	featureApplicability	-1.0
Hero Insurance / int_4a7dd83e	featureConfidence	1.0
Lockwood & Co.	hasFeature	Hero Insurance / int_4a7dd83e
Hero Insurance / int_4c5406b0	type	Hero Insurance
Hero Insurance / int_4c5406b0	comment	The Finder: In the second episode, Walter shot a Dirty Cop so that, when the medics found the bullet, they'd also find the bullet that'd expose the Dirty Cop as a murderer. He explained that, if he went through bureaucratic methods to force the Dirty Cop to reveal the bullet, it wouldn't be found in time to clear the name of an innocent man framed for one of the murders before execution. That justification cleared him for shooting the Dirty Cop and stealing the gun from another nearby cop.
Hero Insurance / int_4c5406b0	featureApplicability	1.0
Hero Insurance / int_4c5406b0	featureConfidence	1.0
The Finder	hasFeature	Hero Insurance / int_4c5406b0
Hero Insurance / int_4ce5263e	type	Hero Insurance
Hero Insurance / int_4ce5263e	comment	XCOM: Enemy Unknown is even worse - since enemies can infest civilians with their spawn, and disguise themselves as civies in the sequel, you are obligated to murder any non-essential civilians with grenades, flamethrowers, or outright zombify them with a mind-controlled floating eldritch psychic horror, just to make sure the aliens don't use them as a tactical advantage first. And there's more destruction of property in the average campaign than a hurricane.
Hero Insurance / int_4ce5263e	featureApplicability	1.0
Hero Insurance / int_4ce5263e	featureConfidence	1.0
XCOM: Enemy Unknown (Video Game)	hasFeature	Hero Insurance / int_4ce5263e
Hero Insurance / int_4d1ba412	type	Hero Insurance
Hero Insurance / int_4d1ba412	comment	The Adventures of Dr. McNinja has an unorthodox approach to hero insurance. Because the populace acknowledges that McNinja's vigilantism is actually beneficial to the community despite the crimes he commits in the process, he and the police have worked out an agreement: After committing a crime, Dr. McNinja needs only to return to his office and call "base" in order to have his crimes absolved.
Hero Insurance / int_4d1ba412	featureApplicability	1.0
Hero Insurance / int_4d1ba412	featureConfidence	1.0
The Adventures of Dr. McNinja (Webcomic)	hasFeature	Hero Insurance / int_4d1ba412
Hero Insurance / int_4fd9904a	type	Hero Insurance
Hero Insurance / int_4fd9904a	comment	Before the fifth book, Fudge is quite committed to providing this for Harry, making several special exceptions for him to avoid him getting into too much trouble. He considers Harry, as "the boy who lived" a special case, a Double Standard that Snape criticizes, noting that Harry is better off being treated like any other student (a valid point, though hollow given Snape's bias to treat Harry worse than any other student). This bites Fudge in the ass when he attempts to dredge up these instances to smear Harry, at which Dumbledore points out that Fudge himself was happy to dismiss them at the time.
Hero Insurance / int_4fd9904a	featureApplicability	1.0
Hero Insurance / int_4fd9904a	featureConfidence	1.0
Harry Potter and the Order of the Phoenix	hasFeature	Hero Insurance / int_4fd9904a
Hero Insurance / int_502cbd09	type	Hero Insurance
Hero Insurance / int_502cbd09	comment	Luke Cage (2016): Luke Cage may have cleared his name of the crimes that put him in Seagate prison in the first place, but he is still a fugitive from the law for breaking out of there.
Hero Insurance / int_502cbd09	featureApplicability	1.0
Hero Insurance / int_502cbd09	featureConfidence	1.0
Luke Cage (2016)	hasFeature	Hero Insurance / int_502cbd09
Hero Insurance / int_50d447ba	type	Hero Insurance
Hero Insurance / int_50d447ba	comment	Desert Strike and the rest of the Strike series penalizes you for killing civilians and destroying their buildings, usually by deducting points from your score at the end of the mission. At worst, you'll be ordered to return to the frigate, berated for your actions, and forced to do the mission all over again (this also happens on other conditions).
Hero Insurance / int_50d447ba	featureApplicability	1.0
Hero Insurance / int_50d447ba	featureConfidence	1.0
Desert Strike (Video Game)	hasFeature	Hero Insurance / int_50d447ba
Hero Insurance / int_52ef161a	type	Hero Insurance
Hero Insurance / int_52ef161a	comment	Mentioned (for laughs) in DC Nation where Roy Harper is bitching about having to take out additional insurance for a rented Winnebago because he is a publicly-out "cape." Turned out he NEEDED the coverage when six rogues, a corresponding number of Titans, Wonder Woman, and a Green Lantern show up at his location (middle of nowhere Arizona) for a throwdown.
Hero Insurance / int_52ef161a	featureApplicability	1.0
Hero Insurance / int_52ef161a	featureConfidence	1.0
DC Nation (Roleplay)	hasFeature	Hero Insurance / int_52ef161a
Hero Insurance / int_58c15fb0	type	Hero Insurance
Hero Insurance / int_58c15fb0	comment	Averted in the Hurog book Dragon Bones: when the heroes travel through a country where people from their country are universally hated, and no one sells them anything, they ration the food, and make do with what they have, instead of stealing things. Also, after killing some bandits, they give back everything that belonged to the village people. Eventually, this pays off and people are friendlier to them. When, at the end, Ward destroys a whole castle, it is his own castle, so no one can be angry at him for damaging their property.
Hero Insurance / int_58c15fb0	featureApplicability	-1.0
Hero Insurance / int_58c15fb0	featureConfidence	1.0
Hurog	hasFeature	Hero Insurance / int_58c15fb0
Hero Insurance / int_59140854	type	Hero Insurance
Hero Insurance / int_59140854	comment	Ditto for Jessica Jones (2015). In one episode, Jessica faces Audrey Eastman. She is a fashion designer who hates superhumans because her mother died during the Battle of New York. She holds the big green guy and the flag waver just as responsible for the destruction of New York as she does Loki or the Chitauri, and reasons that Jessica has to die before anyone else gets killed. Also an aversion: Jessica gets arrested for killing Kilgrave. Though Jeri Hogarth is able to secure her release or at least get her bail posted.
Hero Insurance / int_59140854	featureApplicability	-1.0
Hero Insurance / int_59140854	featureConfidence	1.0
Jessica Jones (2015)	hasFeature	Hero Insurance / int_59140854
Hero Insurance / int_5e150650	type	Hero Insurance
Hero Insurance / int_5e150650	comment	Exalted: During the First Age, the Solars' Hero Insurance is backed by the authority of Sol Himself and the rest of the Heavens. Whole Cardinal Direction obliterated in your fight? Doesn't matter, things can be rebuilt and the Sidereals make sure that the collateral victims reincarnate into a favorable life. Like everything else heroic, this is ultimately deconstructed — the Solars eventually don't even see mortals as real people.
Hero Insurance / int_5e150650	featureApplicability	1.0
Hero Insurance / int_5e150650	featureConfidence	1.0
Exalted (Tabletop Game)	hasFeature	Hero Insurance / int_5e150650
Hero Insurance / int_64494e71	type	Hero Insurance
Hero Insurance / int_64494e71	comment	Walker, Texas Ranger: Walker and company never seemed to care about the damage they caused with all the fights they get into, though, in Season 9's "Desperate Measures", Gage did compensate a restaurant owner at least once after he roughed up two thugs who were harassing two women, who, little did he know at the time, happened to be prison escapees (one was innocent of a crime she didn't commit, while the other is serving life for killing three men), and those thugs in particular would get away scot-free for the harassing and cutting the drive belt of his motorcycle.
Hero Insurance / int_64494e71	featureApplicability	1.0
Hero Insurance / int_64494e71	featureConfidence	1.0
Walker, Texas Ranger	hasFeature	Hero Insurance / int_64494e71
Hero Insurance / int_68b8bdfe	type	Hero Insurance
Hero Insurance / int_68b8bdfe	comment	In the original X-COM, you can, thanks to the miracle of modern agricultural insurance, burn an entire farm to ashes with no repercussions, although you are a UN task force and it's not like anyone in the area is still alive to sue. For that matter, burning down a section of a major city has no consequences beyond a minor point loss for civilians killed or troopers caught in gas station explosions.
Hero Insurance / int_68b8bdfe	featureApplicability	1.0
Hero Insurance / int_68b8bdfe	featureConfidence	1.0
X-COM: UFO Defense (Video Game)	hasFeature	Hero Insurance / int_68b8bdfe
Hero Insurance / int_69071a1b	type	Hero Insurance
Hero Insurance / int_69071a1b	comment	The Mutants & Masterminds setting Freedom City has something of an explanation — Freedom City has its own guardian spirit, Doc Metropolis. In addition to serving on the local hero team, he also uses his powers over the city to fix whatever damage is wrought by superpowered battles.
Hero Insurance / int_69071a1b	featureApplicability	1.0
Hero Insurance / int_69071a1b	featureConfidence	1.0
Mutants & Masterminds (Tabletop Game)	hasFeature	Hero Insurance / int_69071a1b
Hero Insurance / int_69daf29	type	Hero Insurance
Hero Insurance / int_69daf29	comment	Grrl Power: Since the superheroes are a hybrid of military and police officers, most of the damage they do is covered under insurance. But they're still warned that it's best not to cause those damages in the first place; slamming someone into the ground (which is probably owned by the city) is far cheaper and less likely to make people mad than to throw a privately-owned car as a weapon. Maxima's first bit of advice to Sydney is to always check behind your target before unleashing your power.
Hero Insurance / int_69daf29	featureApplicability	1.0
Hero Insurance / int_69daf29	featureConfidence	1.0
Grrl Power (Webcomic)	hasFeature	Hero Insurance / int_69daf29
Hero Insurance / int_6b48c90f	type	Hero Insurance
Hero Insurance / int_6b48c90f	comment	Stupor Heroics: The story completely averts this. Lynn is forced to remain incognito after one of her stunts destroyed a historic bridge and has to deny the existence of bridges to avoid legal trouble. Lori and Lynn have to foot the bill for any damage they inflict on Lincoln's apartment. Superheroes in general need specially designed, and expensive, equipment to deal with their enhanced strength.
Hero Insurance / int_6b48c90f	featureApplicability	1.0
Hero Insurance / int_6b48c90f	featureConfidence	1.0
Stupor Heroics (Fanfic)	hasFeature	Hero Insurance / int_6b48c90f
Hero Insurance / int_6b6d989e	type	Hero Insurance
Hero Insurance / int_6b6d989e	comment	While the first Red Faction was notable for allowing the player to break stuff up to and including the level geometry itself, the sequel looks to be taking this to ludicrous extremes. Not only does the ultramodern architecture give way like wet tissue paper, the protagonist effectively levels an entire city to protect the citizens of said city.
Hero Insurance / int_6b6d989e	featureApplicability	1.0
Hero Insurance / int_6b6d989e	featureConfidence	1.0
Red Faction (Video Game)	hasFeature	Hero Insurance / int_6b6d989e
Hero Insurance / int_6c1d09b3	type	Hero Insurance
Hero Insurance / int_6c1d09b3	comment	Averted in Fallout 3; The Mechanistnote Hero, Commands Robots and The AntAgonist note Villain, Commands Giant Mutant Ants duke it out in Canturbury Commons. During the post apocalypse. There is no insurance of any kind, and the residents wish that BOTH of them would just go away before they kill someone with their property-damaging wars. Except for the town's only child (who accidentally caused this in the first place). He thinks they're awesome and actually has suggestions on how you could join them as a third superperson, complete with your own army.
Hero Insurance / int_6c1d09b3	featureApplicability	-1.0
Hero Insurance / int_6c1d09b3	featureConfidence	1.0
Fallout 3 (Video Game)	hasFeature	Hero Insurance / int_6c1d09b3
Hero Insurance / int_6cb2d709	type	Hero Insurance
Hero Insurance / int_6cb2d709	comment	Discussed in concept in the Harry Potter fic "Disrespecting Authority", when Ginny contemplates slipping Umbridge veritaserum to make her admit that she's using the Imperius Curse to control Professor McGonagall; Sirius notes that while Umbridge would at least potentially be in trouble, in that scenario people are more likely to focus on trying to find out who used the potion on Umbridge to make her confess, which could taint the subsequent investigation into Umbridge's own crimes.
Hero Insurance / int_6cb2d709	featureApplicability	1.0
Hero Insurance / int_6cb2d709	featureConfidence	1.0
Harry Potter (Franchise)	hasFeature	Hero Insurance / int_6cb2d709
Hero Insurance / int_6d564c8	type	Hero Insurance
Hero Insurance / int_6d564c8	comment	In Freedom Force, collateral damage incurs a prestige loss. Prestige is used to recruit new superheroes to your team and keep score, and therefore smashing up things too much and letting civilians get KOed will reduce your hiring rate and your high score. There are no other penalties.
Hero Insurance / int_6d564c8	featureApplicability	1.0
Hero Insurance / int_6d564c8	featureConfidence	1.0
Freedom Force (Video Game)	hasFeature	Hero Insurance / int_6d564c8
Hero Insurance / int_6db54316	type	Hero Insurance
Hero Insurance / int_6db54316	comment	Words of Radiance: In a more low-key version. Shallan manages to convince a gang of deserters to protect her caravan from another gang of deserters, promising them clemency for their crimes in return, despite the fact that there's a kill-on-sight order out on them. Once she gets to civilization and speaks to Highprince Dalinar, he agrees without a second thought, noting that he's never liked hanging soldiers, deserters or not. She does snarkily remind the deserters that it's only clemency for past crimes, not any future ones.
Hero Insurance / int_6db54316	featureApplicability	1.0
Hero Insurance / int_6db54316	featureConfidence	1.0
Words of Radiance	hasFeature	Hero Insurance / int_6db54316
Hero Insurance / int_7393c0ce	type	Hero Insurance
Hero Insurance / int_7393c0ce	comment	In Hellsister Trilogy, Supergirl endeavors to move her battles away from inhabited places. When this isn't possible, she repairs the damage caused by her fights. Commented by her enemy Satan Girl
Hero Insurance / int_7393c0ce	featureApplicability	1.0
Hero Insurance / int_7393c0ce	featureConfidence	1.0
Hellsister Trilogy (Fanfic)	hasFeature	Hero Insurance / int_7393c0ce
Hero Insurance / int_73d7930f	type	Hero Insurance
Hero Insurance / int_73d7930f	comment	Star Trek: Deep Space Nine: In the episode "For the Uniform", Ben Sisko orders the poisoning of the entire atmosphere of a Maquis planet in order to convince a treasonous former Federation officer to surrender. The series does not imply Sisko ever faces any consequences for essentially ordering the commission of a war crime by using a bio-weapon on a defenseless civilian target. Presumably the fact that the Maquis had already done the exact same thing to a Cardassian world, and that by retaliating in kind he forced them to give up their bioweapons program and prevented the Cardassians from escalating to all-out war, helped his case with the brass.
Hero Insurance / int_73d7930f	featureApplicability	1.0
Hero Insurance / int_73d7930f	featureConfidence	1.0
Star Trek: Deep Space Nine	hasFeature	Hero Insurance / int_73d7930f
Hero Insurance / int_75149ccd	type	Hero Insurance
Hero Insurance / int_75149ccd	comment	X-Wing Series: When the Wraiths start a Bar Brawl as phase one of their latest Zany Scheme, they actually pay for the damages to the bar... or more accurately, they rob the soldiers they had beaten up and use that money to pay for the damages.
Hero Insurance / int_75149ccd	featureApplicability	1.0
Hero Insurance / int_75149ccd	featureConfidence	1.0
X-Wing Series	hasFeature	Hero Insurance / int_75149ccd
Hero Insurance / int_761813a6	type	Hero Insurance
Hero Insurance / int_761813a6	comment	In Band of Brothers, during Operation Market Garden, Easy Company comes across a Dutch bell tower that the Germans are using to conceal their tanks from the advancing Allies. They ask a British tank commander to fire through the tower, which would destroy the building but also hit the German tank on the other side. The British commander refuses, citing that they are under orders to minimize collateral damage in friendly countries. This ends up costing the British tank crew their lives, as they are sitting ducks once they round the corner into German crosshairs.
Hero Insurance / int_761813a6	featureApplicability	1.0
Hero Insurance / int_761813a6	featureConfidence	1.0
Band of Brothers	hasFeature	Hero Insurance / int_761813a6
Hero Insurance / int_76c11006	type	Hero Insurance
Hero Insurance / int_76c11006	comment	Wanted: Dead: Since Zombie Unit is basically Law Enforcement, Inc. for Dauer Synthetics, they also have their own dedicated insurance agent in Madame Wong, who's not pleased that their Destructive Savior behavior is costing millions to the company.
Hero Insurance / int_76c11006	featureApplicability	1.0
Hero Insurance / int_76c11006	featureConfidence	1.0
Wanted: Dead (Video Game)	hasFeature	Hero Insurance / int_76c11006
Hero Insurance / int_7988cb68	type	Hero Insurance
Hero Insurance / int_7988cb68	comment	Mass Effect: Played with, in which Shepard is a Spectre and has broad operational authority to do whatever the heck he/she feels like but still gets chewed out by his/her superiors for any collateral damage. Sparatus, the Turian Councillor, particularly isn't amused when Shepard detonates a nuke to destroy Saren's cloning facility on Virmire. Although technically, the nuke idea came from the Salarian Special Tasks Group and Shepard just helped them infiltrate the facility to deliver the payload. At the end of the last piece of DLC for Mass Effect 2, s/he (both Paragon and Renegade) was forced to destroy a mass relay to slow down the Reaper invasion. It went supernova, wiping out an entire solar system and killing 300,000 batarians. Admiral Hackett notes that while he knows s/he did it for the right reasons and will try to slow down the fallout, s/he will have to face trial for mass murder and terrorism, and it's doubtful that the Council (who don't believe him/her about the Reapers) or Udina (who hates Shepard) are going to give him/her any protection. There are limits even for Spectres. It all becomes moot before the third game begins, since the Reaper invasion took out the entire Batarian civilization in the first hours. Although Shepard is in custody awaiting trial as the game begins.
Hero Insurance / int_7988cb68	featureApplicability	1.0
Hero Insurance / int_7988cb68	featureConfidence	1.0
Mass Effect (Franchise)	hasFeature	Hero Insurance / int_7988cb68
Hero Insurance / int_7ceff43d	type	Hero Insurance
Hero Insurance / int_7ceff43d	comment	In Super Powereds and Corpies, such things are handled by the Department of Variant Human Affairs, a federal agency that licenses Supers, who have gone through the four-year Hero Certification Program at one of the five universities that offer it, to be full-fledged Heroes. Only Heroes are allowed to actively engage criminal Supers and Powereds. Any other Super, who tries his or her hand at vigilante justice, will quickly find him- or herself in jail. Only Hero actions are covered by the DVA. Also, there is a reason the HCP is a Training from Hell. Only the best of the best Supers are permitted to become Heroes (no more than 50 are licensed per year in the entire country), and the DVA comes down hard on Heroes whose carelessness causes needless destruction and casualties. Heroes can find themselves restricted to non-combat activities or even have their license revoked permanently. Also, no HCP accepts an applicant with a criminal record, although one makes an exception in Corpies, when a trusted Hero vouches for her.
Hero Insurance / int_7ceff43d	featureApplicability	1.0
Hero Insurance / int_7ceff43d	featureConfidence	1.0
Super Powereds	hasFeature	Hero Insurance / int_7ceff43d
Hero Insurance / int_7d2932f7	type	Hero Insurance
Hero Insurance / int_7d2932f7	comment	Subverted in Trinton Chronicles, the city isn't really too fond of the vigilantes (heroes) fighting each other in the city with out rules..after all, it's a whole world full of super-powered people... even they have rules against over-use!
Hero Insurance / int_7d2932f7	featureApplicability	-0.3
Hero Insurance / int_7d2932f7	featureConfidence	1.0
Trinton Chronicles	hasFeature	Hero Insurance / int_7d2932f7
Hero Insurance / int_84809b33	type	Hero Insurance
Hero Insurance / int_84809b33	comment	In the vehicle driving sections of L.A. Noire, Cole can cause massive damage to innocent motorist cars and even hit pedestrians without severe in-game consequences. This will lower your final score, but will not prevent you from completing the mission, nor will it get you fired or put on trial for vehicular homicide.
Hero Insurance / int_84809b33	featureApplicability	1.0
Hero Insurance / int_84809b33	featureConfidence	1.0
L.A. Noire (Video Game)	hasFeature	Hero Insurance / int_84809b33
Hero Insurance / int_86ac9c99	type	Hero Insurance
Hero Insurance / int_86ac9c99	comment	Player characters in virtually all tabletop RPGs owe most of their ability to get away with literal murder and other less-than-virtuous activities (except where the GM thinks it would be entertaining) to this trope in the name of escapism and saving valuable playtime. It's all just imaginary damage anyway, so if the group doesn't feel like dealing with it there's no actual harm (save possibly to the players' Willing Suspension of Disbelief) in simply ignoring it and moving on. Handwaves optional.
Hero Insurance / int_86ac9c99	featureApplicability	1.0
Hero Insurance / int_86ac9c99	featureConfidence	1.0
Game Master	hasFeature	Hero Insurance / int_86ac9c99
Hero Insurance / int_8a768a7c	type	Hero Insurance
Hero Insurance / int_8a768a7c	comment	Twisted Tropes: Tony Stark complains to Black Widow and Vision that they are required to have an insurance, but nobody is will to invest, except GEICO Gecko in turtle suit.
Hero Insurance / int_8a768a7c	featureApplicability	1.0
Hero Insurance / int_8a768a7c	featureConfidence	1.0
Twisted Tropes (Webcomic)	hasFeature	Hero Insurance / int_8a768a7c
Hero Insurance / int_8b488f34	type	Hero Insurance
Hero Insurance / int_8b488f34	comment	Played straight in Skyway Mechanix where the state super-hero tells a police officer to send a bill to the "World Hero Alliance - Hero Insurance Department" after the chaotic neutral protagonists destroy a motel and blow up a gas station.
Hero Insurance / int_8b488f34	featureApplicability	1.0
Hero Insurance / int_8b488f34	featureConfidence	1.0
Skyway Mechanix	hasFeature	Hero Insurance / int_8b488f34
Hero Insurance / int_8e209fd7	type	Hero Insurance
Hero Insurance / int_8e209fd7	comment	Mentioned in League of Super Redundant Heroes, Laser Pony apparently has insurance which covers damage to blimps. Just as well, considering he has shot down two of them so far.
Hero Insurance / int_8e209fd7	featureApplicability	1.0
Hero Insurance / int_8e209fd7	featureConfidence	1.0
League of Super Redundant Heroes (Webcomic)	hasFeature	Hero Insurance / int_8e209fd7
Hero Insurance / int_90f1e8a2	type	Hero Insurance
Hero Insurance / int_90f1e8a2	comment	Exiern: has some very literal hero insurance here and here, overlapping with Impossible Insurance too.
Hero Insurance / int_90f1e8a2	featureApplicability	1.0
Hero Insurance / int_90f1e8a2	featureConfidence	1.0
Exiern (Webcomic)	hasFeature	Hero Insurance / int_90f1e8a2
Hero Insurance / int_92cf8f5d	type	Hero Insurance
Hero Insurance / int_92cf8f5d	comment	Hecate: Averted. Having missed several days of school because of the Battle City tournament, Yugi and his friends have to work hard to catch up on several days of homework.
Hero Insurance / int_92cf8f5d	featureApplicability	-1.0
Hero Insurance / int_92cf8f5d	featureConfidence	1.0
Hecate (Fanfic)	hasFeature	Hero Insurance / int_92cf8f5d
Hero Insurance / int_96e4d1b2	type	Hero Insurance
Hero Insurance / int_96e4d1b2	comment	In the 2009 Ghostbusters game, it's revealed early on that the Ghostbusters no longer work for the people of New York, but for the city of New York, with a contract to take care of any and all paranormal disturbances. In addition, the city has a lucrative insurance contract for damage due to either paranormal entities or paranormal "investigations". In fact, the mayor got the insurance policy after the Ghostbusters endorsed him in the election campaign, and it's outright stated by Ray that it probably won the election for the mayor. In addition, there's an oversight committee, headed by the ever-lovable Walter Peck, called the Paranormal Contract Oversight Committee. And the icing on the cake: the game TRACKS how much property damage the Ghostbusters incur. And there are achievements for beating the game while causing very little property damage and beating the game and causing a lot.
Hero Insurance / int_96e4d1b2	featureApplicability	1.0
Hero Insurance / int_96e4d1b2	featureConfidence	1.0
Ghostbusters: The Video Game (Video Game)	hasFeature	Hero Insurance / int_96e4d1b2
Hero Insurance / int_98037c5	type	Hero Insurance
Hero Insurance / int_98037c5	comment	Quiller is not allowed to steal or damage private property during the course of a mission, and he's always griping about how his expenses are scrutinized minutely. This is sometimes used as a Hand Wave as to why the British spy doesn't just James Bond his way out of a situation.
Hero Insurance / int_98037c5	featureApplicability	1.0
Hero Insurance / int_98037c5	featureConfidence	1.0
Quiller	hasFeature	Hero Insurance / int_98037c5
Hero Insurance / int_998cbda3	type	Hero Insurance
Hero Insurance / int_998cbda3	comment	Daredevil (2015): The events of "The Incident" are addressed in the show. Wilson Fisk's rise as an organized crime boss is the result of exploiting government contracts for rebuilding efforts in Hell's Kitchen. It's made clear at multiple points that Matt Murdock doesn't have hero insurance. In fact there are several points where he almost gets arrested when police roll up while he's in the middle of doing something as Daredevil. The only reason they don't haul him in is that he's able to talk them down into going after the more dangerous fish. And the friction between Foggy and Matt throughout the last few episodes of season 1 and most of season 2 is implied to be because he knows just what's at stake if Matt gets arrested or killed. Fisk even manages to exploit this in season 3 by having Dex impersonate Matt's alter ego. Averted greatly for Frank Castle in season 2. He may be the Punisher who goes after crooks like the Mexican cartels, the Kitchen Irish and the Dogs of Hell, but he still gets arrested, charged with murder, and put through the process of a trial.
Hero Insurance / int_998cbda3	featureApplicability	-1.0
Hero Insurance / int_998cbda3	featureConfidence	1.0
Daredevil (2015)	hasFeature	Hero Insurance / int_998cbda3
Hero Insurance / int_9c6d8396	type	Hero Insurance
Hero Insurance / int_9c6d8396	comment	I Don't Want This Kind of Hero: Averted. This doesn't exist, hence why Dune is very fussy about the heroes not committing vandalism and destruction. When a (unspecified) character apparently destroys a bus and Dune is on Spoon's case for it, Dana decides to dock the pay of whoever wrecked it as compensation.
Hero Insurance / int_9c6d8396	featureApplicability	-1.0
Hero Insurance / int_9c6d8396	featureConfidence	1.0
I Don't Want This Kind of Hero (Webcomic)	hasFeature	Hero Insurance / int_9c6d8396
Hero Insurance / int_9ecd1e02	type	Hero Insurance
Hero Insurance / int_9ecd1e02	comment	Averted in Nightside; the protagonist, John Taylor, is now classified under Acts of Gods by the insurance companies.
Hero Insurance / int_9ecd1e02	featureApplicability	-1.0
Hero Insurance / int_9ecd1e02	featureConfidence	1.0
Nightside	hasFeature	Hero Insurance / int_9ecd1e02
Hero Insurance / int_a3129642	type	Hero Insurance
Hero Insurance / int_a3129642	comment	In Spinnerette Benjamin Franklin mentions that the super hero organization he founded handles damage compensation, legal help, medical help, etc through a combination of money from bank interest from the 1700's to merchandizing super hero memorabilia.
Hero Insurance / int_a3129642	featureApplicability	1.0
Hero Insurance / int_a3129642	featureConfidence	1.0
Spinnerette (Webcomic)	hasFeature	Hero Insurance / int_a3129642
Hero Insurance / int_a467a65d	type	Hero Insurance
Hero Insurance / int_a467a65d	comment	In one episode, Jessica faces Audrey Eastman. She is a fashion designer who hates superhumans because her mother died during the Battle of New York. She holds the big green guy and the flag waver just as responsible for the destruction of New York as she does Loki or the Chitauri, and reasons that Jessica has to die before anyone else gets killed.
Hero Insurance / int_a467a65d	featureApplicability	1.0
Hero Insurance / int_a467a65d	featureConfidence	1.0
Loki	hasFeature	Hero Insurance / int_a467a65d
Hero Insurance / int_a57cf54d	type	Hero Insurance
Hero Insurance / int_a57cf54d	comment	Darths & Droids brings this a couple of times, most notably in this strip where the entire party gets chewed out for how much collateral damage their latest adventure caused.
Hero Insurance / int_a57cf54d	featureApplicability	1.0
Hero Insurance / int_a57cf54d	featureConfidence	1.0
Darths & Droids (Webcomic)	hasFeature	Hero Insurance / int_a57cf54d
Hero Insurance / int_a61ca024	type	Hero Insurance
Hero Insurance / int_a61ca024	comment	The Pink Lightspeed Ranger did something similar to the Pink SPD Ranger, using her zord to clear the streets; only she evacuated cars directly... into her own zord...
Hero Insurance / int_a61ca024	featureApplicability	1.0
Hero Insurance / int_a61ca024	featureConfidence	1.0
Power Rangers Lightspeed Rescue	hasFeature	Hero Insurance / int_a61ca024
Hero Insurance / int_ad20e006	type	Hero Insurance
Hero Insurance / int_ad20e006	comment	Wonder Woman: In "Mind Stealers from Outer Space", the aforementioned mind stealers use their beam weapons to level a building with Wonder Woman and Andros inside. It's never addressed who picked up the tab for the demolished building.
Hero Insurance / int_ad20e006	featureApplicability	1.0
Hero Insurance / int_ad20e006	featureConfidence	1.0
Wonder Woman (1975)	hasFeature	Hero Insurance / int_ad20e006
Hero Insurance / int_af583f46	type	Hero Insurance
Hero Insurance / int_af583f46	comment	Subverted in Phoenix Wright: Ace Attorney â€“ Justice For All. After Phoenix breaks down the door to the summoning room in the Fey Manor, he later gets a bill for the door, despite breaking it to protect Maya and find out about the gunshot heard in the room. Of course, the owner of the door was an accomplice of the murder that was happening, and by entering, Phoenix was interfering with the plans. Plus, if you read some of the tapestries in the school, as well as in the exhibit in the third game, they all discuss methods of making money. The Kurain school of mysticism would gouge anyone for a nickel. (Appropriately, Phoenix Wright: Ace Attorney â€“ Spirit of Justice shows that the country where it originated is also extremely litigious.)
Hero Insurance / int_af583f46	featureApplicability	-0.3
Hero Insurance / int_af583f46	featureConfidence	1.0
Phoenix Wright: Ace Attorney â€“ Justice For All (Visual Novel)	hasFeature	Hero Insurance / int_af583f46
Hero Insurance / int_af60702d	type	Hero Insurance
Hero Insurance / int_af60702d	comment	Also subverted in the original The Legend of Zelda, where if you burn down/destroy certain doors, the owners of said doors make you pay them for the damage. This also happens in The Legend of Zelda: Oracle Games sub-series. In at least one instance, burning through a door has the inhabitant of the house pay you.
Hero Insurance / int_af60702d	featureApplicability	-0.3
Hero Insurance / int_af60702d	featureConfidence	1.0
The Legend of Zelda (Video Game)	hasFeature	Hero Insurance / int_af60702d
Hero Insurance / int_b633b466	type	Hero Insurance
Hero Insurance / int_b633b466	comment	At the end of Space Quest V: The Next Mutation, Captain Roger Wilco triumphantly returns to StarCon after saving the galaxy from yet another threat. Space Quest VI begins with a court-martial, where his violations of regs are brought up and used to strip him of his rank. His accomplishments are brought up as an afterthought, which lets him stay in Starcon as a janitor. The fluff implies that the mother of Captain Raemes T. Quirk, whom Roger is forced to kill to end the threat, pushes for Roger to be found guilty.
Hero Insurance / int_b633b466	featureApplicability	1.0
Hero Insurance / int_b633b466	featureConfidence	1.0
Space Quest V: The Next Mutation (Video Game)	hasFeature	Hero Insurance / int_b633b466
Hero Insurance / int_bcb32dc6	type	Hero Insurance
Hero Insurance / int_bcb32dc6	comment	This trope is actually a core aspect in Shadowrun. As a Shadowrunner you are literally a mercenary criminal, but once you get away with the goods and get paid the target of your activities will USUALLY not bother with something so petty as revenge, because A: you might do a job for them sometime, because everyone needs "deniable assets" at some point; and B: it's not cost effective to waste resources on hunting you down that could be better utilized in shoring up against the next attack. However, if you get a little too liberal with the application of automatic fire and high explosives, then it's going to cost you - one way or another.
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Hero Insurance / int_bcb32dc6	featureConfidence	1.0
Shadowrun (Tabletop Game)	hasFeature	Hero Insurance / int_bcb32dc6
Hero Insurance / int_bd2d73f3	type	Hero Insurance
Hero Insurance / int_bd2d73f3	comment	Amanda Green, Superhuman Insurance Agent is pretty much this trope in the form of a webcomic. Amanda is not a superhuman insurance agent, she's an agent who sells superhuman insurance: e.g. insurance against any superhuman-related losses caused by super heroes and supervillains alike.
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Hero Insurance / int_bd2d73f3	featureConfidence	1.0
Amanda Green, Superhuman Insurance Agent (Webcomic)	hasFeature	Hero Insurance / int_bd2d73f3
Hero Insurance / int_c1858a63	type	Hero Insurance
Hero Insurance / int_c1858a63	comment	This trope becomes a plot point on Lockwood & Co. (2023), since the various agencies do have insurance to cover damages incurred while fighting ghosts, but they need to follow proper procedure in order to be covered. Lockwood and Co.'s policy becomes voided when a house burns down in the first episode from them using a flare indoors, leaving them in the hole for Â£60,000.
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Hero Insurance / int_c1858a63	featureConfidence	1.0
Lockwood & Co. (2023)	hasFeature	Hero Insurance / int_c1858a63
Hero Insurance / int_c43df4d8	type	Hero Insurance
Hero Insurance / int_c43df4d8	comment	Doctor Who The Doctor causes destruction and mayhem on a regular basis—on one occasion draining the River Thames—and he never sticks around to clear up the mess. It is kinda hard to charge him for damages considering he can simply escape by jumping around through time and space. Not to mention changing his appearance every now and then. Easily explains his mixed reputation among those people who know about him, though. This is why the original Torchwood had him listed as an enemy in their charter. They were founded when Queen Victoria saw him in action; she knighted him for his heroism then banished him for his crimes (and for being too damn cheerful about the deadly werewolf attack). At the start of "Revolution of the Daleks", the Thirteenth Doctor is in prison for 7000 offenses committed during the course of his/her adventures. When Jack Harkness turns up to rescue her, he's amused they stopped at only seven thousand.
Hero Insurance / int_c43df4d8	featureApplicability	1.0
Hero Insurance / int_c43df4d8	featureConfidence	1.0
Doctor Who	hasFeature	Hero Insurance / int_c43df4d8
Hero Insurance / int_c576ba57	type	Hero Insurance
Hero Insurance / int_c576ba57	comment	City of Reality has Hero Insurance, literally, as part of the deal that makes the inhabitants happy to have super heroes around. More than happy, in fact.
Hero Insurance / int_c576ba57	featureApplicability	1.0
Hero Insurance / int_c576ba57	featureConfidence	1.0
City of Reality (Webcomic)	hasFeature	Hero Insurance / int_c576ba57
Hero Insurance / int_c5886ecb	type	Hero Insurance
Hero Insurance / int_c5886ecb	comment	Ultimate Sleepwalker: The New Dreams has the title character using his warp vision to repair some of the property damage caused by his murderous fight with Psyko.
Hero Insurance / int_c5886ecb	featureApplicability	1.0
Hero Insurance / int_c5886ecb	featureConfidence	1.0
Ultimate Sleepwalker (Fanfic)	hasFeature	Hero Insurance / int_c5886ecb
Hero Insurance / int_c592d69d	type	Hero Insurance
Hero Insurance / int_c592d69d	comment	Even though what they do is to take back their cities from bad guys, player tank in Seek And Destroy never needs to pay for whatever damage he cause to those cities, and they are miraculously restored right after the hero troop conquer them.
Hero Insurance / int_c592d69d	featureApplicability	1.0
Hero Insurance / int_c592d69d	featureConfidence	1.0
Choro Q (Video Game)	hasFeature	Hero Insurance / int_c592d69d
Hero Insurance / int_cb6abef3	type	Hero Insurance
Hero Insurance / int_cb6abef3	comment	The events of "The Incident" are addressed in the show. Wilson Fisk's rise as an organized crime boss is the result of exploiting government contracts for rebuilding efforts in Hell's Kitchen.
Hero Insurance / int_cb6abef3	featureApplicability	1.0
Hero Insurance / int_cb6abef3	featureConfidence	1.0
The Avengers (2012)	hasFeature	Hero Insurance / int_cb6abef3
Hero Insurance / int_cd0c4234	type	Hero Insurance
Hero Insurance / int_cd0c4234	comment	Villains Don't Date Heroes!: Standard policy seems to be to blame any destruction the heroes cause on the villains they were trying to stop. This annoys the villain Night Terror to no end, as she had a strong policy of no collateral damage, and the hero Fialux causes more damage in a couple weeks than Night Terror did in her entire career.
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Hero Insurance / int_cd0c4234	featureConfidence	1.0
Villains Don't Date Heroes!	hasFeature	Hero Insurance / int_cd0c4234
Hero Insurance / int_cf82131a	type	Hero Insurance
Hero Insurance / int_cf82131a	comment	Lampshaded in Marvel Ultimate Alliance 2. A collectible allows the player to hear a commercial for an insurance company that specializes in superhuman related damages.
Hero Insurance / int_cf82131a	featureApplicability	1.0
Hero Insurance / int_cf82131a	featureConfidence	1.0
Marvel Ultimate Alliance (Video Game)	hasFeature	Hero Insurance / int_cf82131a
Hero Insurance / int_d0370eb3	type	Hero Insurance
Hero Insurance / int_d0370eb3	comment	Played with in Young Justice: Darkness Falls. Clearly there is a mandate that heroes get some grumbles over the destruction they cause. However, there's also reason to suspect that Batman helps cover any serious damages thanks to a line mentioning that he regularly donates to restoration jobs after his battles.
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Hero Insurance / int_d0370eb3	featureConfidence	1.0
Young Justice: Darkness Falls (Fanfic)	hasFeature	Hero Insurance / int_d0370eb3
Hero Insurance / int_d335ebc5	type	Hero Insurance
Hero Insurance / int_d335ebc5	comment	Spider-Man: Sinister Six Trilogy: Secret of the Sinister Six features a radio advertisement for metahuman insurance, including testimonials from people who had the Hulk thrown through their kitchen.
Hero Insurance / int_d335ebc5	featureApplicability	1.0
Hero Insurance / int_d335ebc5	featureConfidence	1.0
Spider-Man: Sinister Six Trilogy	hasFeature	Hero Insurance / int_d335ebc5
Hero Insurance / int_d56cafaf	type	Hero Insurance
Hero Insurance / int_d56cafaf	comment	Partial aversion in Power Rangers RPM. When Sociopathic Hero Creepy Twins Gem and Gemma bust down the door to a candystore to stop a petty criminal, they are forced later on to repair the door themselves. They are, however, still off the hook for any damage incurred fighting the minions of the Big Bad, however.
Hero Insurance / int_d56cafaf	featureApplicability	-1.0
Hero Insurance / int_d56cafaf	featureConfidence	1.0
Power Rangers RPM	hasFeature	Hero Insurance / int_d56cafaf
Hero Insurance / int_d56cb367	type	Hero Insurance
Hero Insurance / int_d56cb367	comment	Averted regularly in Power Rangers S.P.D.: The SWAT Megazord's finisher involved flying the criminals' giant robots into low orbit, then turning into a cannon and blowing them away. Presumably SPD doesn't want that kind of ordnance going off within city limits. Also it has been shown that when the zords are on the move the Pink Ranger takes care of crowd control by directing traffic away from the combat zone. And the premiere shows the B-Squad's status by showing them cleaning up the wreckage from the A-Squad's mecha battle. Presumably when A-Squad goes AWOL and B-Squad takes over Earth's defense, they have lower-ranked cadets cleaning up their messes.
Hero Insurance / int_d56cb367	featureApplicability	-1.0
Hero Insurance / int_d56cb367	featureConfidence	1.0
Power Rangers S.P.D.	hasFeature	Hero Insurance / int_d56cb367
Hero Insurance / int_d7c4993f	type	Hero Insurance
Hero Insurance / int_d7c4993f	comment	In Shadowboy, Hero Insurance is a literal requirement to be a licensed hero with individual premiums for collateral, liability and medical, depending upon the hero's destructiveness and durability.
Hero Insurance / int_d7c4993f	featureApplicability	1.0
Hero Insurance / int_d7c4993f	featureConfidence	1.0
Shadowboy	hasFeature	Hero Insurance / int_d7c4993f
Hero Insurance / int_db22e683	type	Hero Insurance
Hero Insurance / int_db22e683	comment	Tremors: It's mentioned that, along with weapons and equipment, the U.S. government provides liability insurance to Burt Gummer when he has to hunt Graboids. Graboids tend to be destructive. Burt's methods for killing them tend to be...more destructive.
Hero Insurance / int_db22e683	featureApplicability	1.0
Hero Insurance / int_db22e683	featureConfidence	1.0
Tremors	hasFeature	Hero Insurance / int_db22e683
Hero Insurance / int_e081af79	type	Hero Insurance
Hero Insurance / int_e081af79	comment	In The Inexplicable Adventures of Bob!, part of the Running Gag about Bob's roof repeatedly getting destroyed is that each story arc ends with the roof either getting repaired, or Bob receiving just enough money to repair it.
Hero Insurance / int_e081af79	featureApplicability	1.0
Hero Insurance / int_e081af79	featureConfidence	1.0
The Inexplicable Adventures of Bob! (Webcomic)	hasFeature	Hero Insurance / int_e081af79
Hero Insurance / int_e1575a9d	type	Hero Insurance
Hero Insurance / int_e1575a9d	comment	In MegaTokyo the TPCD takes the part of clean-up and repair after the many scheduled and unscheduled disastrous events in Tokyo. They even take requests from affected house-owners for changes on rebuild.
Hero Insurance / int_e1575a9d	featureApplicability	1.0
Hero Insurance / int_e1575a9d	featureConfidence	1.0
MegaTokyo	hasFeature	Hero Insurance / int_e1575a9d
Hero Insurance / int_e293455a	type	Hero Insurance
Hero Insurance / int_e293455a	comment	Buffy the Vampire Slayer: Lampshaded in the episode "Flooded". While assessing the damage after yet another fight with a demon has caused extensive damage to her house, Buffy asks: "I've trashed this house so many times. How did Mom pay for this?" This later doubled as the reason that the furniture was apparently made of balsa wood. The good stuff was broken just as easily in fights, so she had replaced it as cheaply as possible. Lampshaded earlier in "Ted" when the gang worries what punishment Buffy will receive for killing the eponymous character who turns out to be not dead, since he was a robot.
Hero Insurance / int_e293455a	featureApplicability	1.0
Hero Insurance / int_e293455a	featureConfidence	1.0
Buffy the Vampire Slayer	hasFeature	Hero Insurance / int_e293455a
Hero Insurance / int_e4de10dd	type	Hero Insurance
Hero Insurance / int_e4de10dd	comment	Subverted in a early arc of How to Succeed in Evil. It is openly stated that Superhero Insurance doesn't exist because it would be too damn expensive. Doesn't stop Edwin from selling (and by selling we mean threatening into submission) it anyways.
Hero Insurance / int_e4de10dd	featureApplicability	-0.3
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How to Succeed in Evil	hasFeature	Hero Insurance / int_e4de10dd
Hero Insurance / int_e5c5bc22	type	Hero Insurance
Hero Insurance / int_e5c5bc22	comment	GURPS Powers has a table for you to roll on to decide how many dollars of collateral damage were dealt during a fight. It's up to the GM who exactly has to pay for it.
Hero Insurance / int_e5c5bc22	featureApplicability	1.0
Hero Insurance / int_e5c5bc22	featureConfidence	1.0
GURPS (Tabletop Game)	hasFeature	Hero Insurance / int_e5c5bc22
Hero Insurance / int_e863cc41	type	Hero Insurance
Hero Insurance / int_e863cc41	comment	Lan/Netto commits so many felonies during the course of the Mega Man Battle Network series that the Let's Play of it actually harps on the fact. It's actually less egregious than other examples because he very rarely breaks physical stuff - Lan mostly sneaks somewhere he is not allowed to be in pursuit of of the current villain. And because he manages to save the day, officials can let it slide. The sequel series Mega Man Star Force lampshades hero insurance in the 2nd game; Omega-Xis mentions being considered a hero is something to be proud of, and that because of it, people won't mind if they cause damage.
Hero Insurance / int_e863cc41	featureApplicability	1.0
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Mega Man Battle Network (Video Game)	hasFeature	Hero Insurance / int_e863cc41
Hero Insurance / int_edb24073	type	Hero Insurance
Hero Insurance / int_edb24073	comment	The Henchman's Survival Guide solves this from the opposite end. All hero and villain activity is restricted to Little Big City, and one of the conditions of living, or visiting, is signing paperwork to waive your rights to sue for damages.
Hero Insurance / int_edb24073	featureApplicability	1.0
Hero Insurance / int_edb24073	featureConfidence	1.0
The Henchman's Survival Guide	hasFeature	Hero Insurance / int_edb24073
Hero Insurance / int_f3c911fb	type	Hero Insurance
Hero Insurance / int_f3c911fb	comment	Super Temps has literal Hero Insurance — the Supers Union actually pays a large chunk of their various merchandising and media profits to the government to pay for collateral damage. Since super-antics actually drive the economy in a cycle of media sales, merchandising, and job creation to handle the damage... this makes perfect sense in a Fridge Logic kind of way.
Hero Insurance / int_f3c911fb	featureApplicability	1.0
Hero Insurance / int_f3c911fb	featureConfidence	1.0
Super Temps (Webcomic)	hasFeature	Hero Insurance / int_f3c911fb
Hero Insurance / int_f56f5186	type	Hero Insurance
Hero Insurance / int_f56f5186	comment	In More Than Human, the city of Townsville has higher tax rates to pay for the large amount of damages done by monster attacks and by The Powerpuff Girls fighting back.
Hero Insurance / int_f56f5186	featureApplicability	1.0
Hero Insurance / int_f56f5186	featureConfidence	1.0
More Than Human (Fanfic)	hasFeature	Hero Insurance / int_f56f5186
Hero Insurance / int_f964fcd0	type	Hero Insurance
Hero Insurance / int_f964fcd0	comment	The Mad Scientist Wars: Subverted. Xyon City has an "abandoned warehouse district" that is paid for by a tax on explosives. When old abandoned warehouses are destroyed, new ones are built. The reasoning seems to be that if people are going to blow stuff up, it might as well be in a designated area away from the important stuff. Played straight in that this doesn't always work. A storyline involves the characters trying to run a group of heroes out of town, partially because of this trope. Contractors in the city give discounts depending on the number of times your house has been destroyed.
Hero Insurance / int_f964fcd0	featureApplicability	-0.3
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The Mad Scientist Wars (Roleplay)	hasFeature	Hero Insurance / int_f964fcd0
Hero Insurance / int_fa5e90fd	type	Hero Insurance
Hero Insurance / int_fa5e90fd	comment	City of Heroes: Subverted with the Faultline zone, the victim of a massive earthquake attack by a tectonics-controlling villain, which for years remained as a giant deserted fissure in the ground. Faultline only started being slowly rebuilt a year or two ago. There are billboards in the city advertising insurance for damages caused by hero/villain struggles, but there are a lot of hazard zones which are just decimated sections of town still, so... Being a Massively Multiplayer Online Role-Playing Game and all, anything you break is back to normal as soon as you zone out. However, in one of the game's cinematic trailers (one where the Rikti invade), you briefly see the heroes helping to clear the wreckage left by the invasion.
Hero Insurance / int_fa5e90fd	featureApplicability	-0.3
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City of Heroes (Video Game)	hasFeature	Hero Insurance / int_fa5e90fd
Hero Insurance / int_fa6e380e	type	Hero Insurance
Hero Insurance / int_fa6e380e	comment	A more mundane example comes up in the pilot episode of Hill Street Blues, when a stick-up turned hostage situation ends with the SWAT Team storming the building and... shooting out the windows and a bunch of merchandise, after Captain Furillo had already talked the robbers down. The proprietor is none too happy, and it's likely that the cost of repairs and lost stock is quite a bit more than he had in the register in the first place. SWAT Team leader Lieutenant Hunter's "destroy the precinct to save the precinct" tendencies would be a recurring source of headaches for his chief for most of the rest of the series.
Hero Insurance / int_fa6e380e	featureApplicability	1.0
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Hill Street Blues	hasFeature	Hero Insurance / int_fa6e380e
Hero Insurance / int_fb26bc2e	type	Hero Insurance
Hero Insurance / int_fb26bc2e	comment	Several The Sentinel fanfics talk of Jim's high automobile insurance premiums, and one contractor says he put his kid through college on repairs to the Loft.
Hero Insurance / int_fb26bc2e	featureApplicability	1.0
Hero Insurance / int_fb26bc2e	featureConfidence	1.0
The Sentinel	hasFeature	Hero Insurance / int_fb26bc2e

The following is a list of statements referring to the current page from other pages.

Hero Insurance	processingCategory2	Artistic License â€“ Law
Hero Insurance	processingCategory2	Money Tropes
Hero Insurance	processingCategory2	Morality Tropes
Hero Insurance	processingCategory2	Superhero Tropes
Basquash! / int_a9667a3b	type	Hero Insurance
Dai-Guard / int_a9667a3b	type	Hero Insurance
Devil May Cry: The Animated Series / int_a9667a3b	type	Hero Insurance
Digimon Adventure tri. / int_a9667a3b	type	Hero Insurance
Dominion Tank Police / int_a9667a3b	type	Hero Insurance
Full Metal Panic? Fumoffu / int_a9667a3b	type	Hero Insurance
Mobile Fighter G Gundam / int_a9667a3b	type	Hero Insurance
Moldiver / int_a9667a3b	type	Hero Insurance
Panty & Stocking with Garterbelt / int_a9667a3b	type	Hero Insurance
s-CRY-ed / int_a9667a3b	type	Hero Insurance
Tiger & Bunny / int_a9667a3b	type	Hero Insurance
Yu-Gi-Oh! The Movie: Pyramid of Light / int_a9667a3b	type	Hero Insurance
Things Mr. Welch Is No Longer Allowed to Do in an RPG (Blog) / int_a9667a3b	type	Hero Insurance
All-New, All-Different Avengers (Comic Book) / int_a9667a3b	type	Hero Insurance
Batman: White Knight (Comic Book) / int_a9667a3b	type	Hero Insurance
Blue Beetle (Comic Book) / int_a9667a3b	type	Hero Insurance
Cyclops (Comic Book) / int_a9667a3b	type	Hero Insurance
Damage Control (Comic Book) / int_a9667a3b	type	Hero Insurance
Doctor Strange: The Oath (Comic Book) / int_a9667a3b	type	Hero Insurance
Iron Man (Comic Book) / int_a9667a3b	type	Hero Insurance
Iron Man (2020, Ongoing) (Comic Book) / int_a9667a3b	type	Hero Insurance
Kingdom Come (Comic Book) / int_a9667a3b	type	Hero Insurance
Marvel Adventures (Comic Book) / int_a9667a3b	type	Hero Insurance
Miles Morales: Spider-Man (2022) (Comic Book) / int_a9667a3b	type	Hero Insurance
Sleepwalker (Comic Book) / int_a9667a3b	type	Hero Insurance
Sub-Mariner (Comic Book) / int_a9667a3b	type	Hero Insurance
Supergirl (2005) (Comic Book) / int_a9667a3b	type	Hero Insurance
Supergirl (Wednesday Comics) (Comic Book) / int_a9667a3b	type	Hero Insurance
Superman & Batman: Generations (Comic Book) / int_a9667a3b	type	Hero Insurance
The Authority (Comic Book) / int_a9667a3b	type	Hero Insurance
The Defenders (Comic Book) / int_a9667a3b	type	Hero Insurance
The Incredible Hulks (Comic Book) / int_a9667a3b	type	Hero Insurance
The Mighty Thor (Comic Book) / int_a9667a3b	type	Hero Insurance
The Supergirl from Krypton (2004) (Comic Book) / int_a9667a3b	type	Hero Insurance
Ultimate Spider-Man (2000) (Comic Book) / int_a9667a3b	type	Hero Insurance
Cyclops / Comicbook	seeAlso	Hero Insurance
Incredible Hulk / Comicbook / int_a9667a3b	type	Hero Insurance
Krypton No More (Comic Book) / int_a9667a3b	type	Hero Insurance
Ms. Marvel (2014) / Comicbook / int_a9667a3b	type	Hero Insurance
Star Fox / Comicbook	seeAlso	Hero Insurance
Battle Fantasia Project / Fan Fic / int_a9667a3b	type	Hero Insurance
Christian Humber Reloaded / Fan Fic / int_a9667a3b	type	Hero Insurance
GhostbustersSLC	seeAlso	Hero Insurance
Sabotage / Fan Fic	seeAlso	Hero Insurance
Shinji and Warhammer 40k / Fan Fic / int_a9667a3b	type	Hero Insurance
Truth And Consequences (Fanfic) / int_a9667a3b	type	Hero Insurance
A Waterbending Quirk (Fanfic) / int_a9667a3b	type	Hero Insurance
Anyone (Fanfic) / int_a9667a3b	type	Hero Insurance
Assimilation (Fanfic) / int_a9667a3b	type	Hero Insurance
Avenger of Steel (Fanfic) / int_a9667a3b	type	Hero Insurance
Crimson and Emerald (Fanfic) / int_a9667a3b	type	Hero Insurance
Danganronpa Class Swap (Fanfic) / int_a9667a3b	type	Hero Insurance
Hecate (Fanfic) / int_a9667a3b	type	Hero Insurance
Hellsister Trilogy (Fanfic) / int_a9667a3b	type	Hero Insurance
Hunters of Justice (Fanfic) / int_a9667a3b	type	Hero Insurance
Inheritance of Cards and Demons (Fanfic) / int_a9667a3b	type	Hero Insurance
Justice (Fanfic) / int_a9667a3b	type	Hero Insurance
More Than Human (Fanfic) / int_a9667a3b	type	Hero Insurance
Nova: Homecoming (Fanfic) / int_a9667a3b	type	Hero Insurance
One More Trigger (Fanfic) / int_a9667a3b	type	Hero Insurance
Peace's Apprentice (Fanfic) / int_a9667a3b	type	Hero Insurance
RainbowDoubleDash's Lunaverse (Fanfic) / int_a9667a3b	type	Hero Insurance
Skyreach (Fanfic) / int_a9667a3b	type	Hero Insurance
Stupor Heroics (Fanfic) / int_a9667a3b	type	Hero Insurance
Superwomen of Eva 2: The Ultimate Rush (Fanfic) / int_a9667a3b	type	Hero Insurance
The M3GAN Files (Fanfic) / int_a9667a3b	type	Hero Insurance
The Soulmate Timeline (Fanfic) / int_a9667a3b	type	Hero Insurance
Ultimate Sleepwalker (Fanfic) / int_a9667a3b	type	Hero Insurance
Young Justice: Darkness Falls (Fanfic) / int_a9667a3b	type	Hero Insurance
Avengers: Age of Ultron / int_a9667a3b	type	Hero Insurance
Bushwhacked / int_a9667a3b	type	Hero Insurance
Captain America: Civil War / int_a9667a3b	type	Hero Insurance
Cellular / int_a9667a3b	type	Hero Insurance
Central Intelligence / int_a9667a3b	type	Hero Insurance
Commando / int_a9667a3b	type	Hero Insurance
Commando (1985) / int_a9667a3b	type	Hero Insurance
Convoy / int_a9667a3b	type	Hero Insurance
Déjà Vu (2006) / int_a9667a3b	type	Hero Insurance
Demolition Man / int_a9667a3b	type	Hero Insurance
Demons of War / int_a9667a3b	type	Hero Insurance
Die Hard / int_a9667a3b	type	Hero Insurance
Dungeons & Dragons: Honor Among Thieves / int_a9667a3b	type	Hero Insurance
Face/Off / int_a9667a3b	type	Hero Insurance
48 Hrs. / int_a9667a3b	type	Hero Insurance
Four Brothers / int_a9667a3b	type	Hero Insurance
Ghostbusters: Afterlife / int_a9667a3b	type	Hero Insurance
GoldenEye / int_a9667a3b	type	Hero Insurance
Gone (2012) / int_a9667a3b	type	Hero Insurance
Good Burger / int_a9667a3b	type	Hero Insurance
Hancock / int_a9667a3b	type	Hero Insurance
Kindergarten Cop / int_a9667a3b	type	Hero Insurance
Last Action Hero / int_a9667a3b	type	Hero Insurance
Loaded Weapon 1 / int_a9667a3b	type	Hero Insurance
Man of Steel / int_a9667a3b	type	Hero Insurance
Men in Black / int_a9667a3b	type	Hero Insurance
Midnight Run / int_a9667a3b	type	Hero Insurance
Mission: Impossible Film Series / int_a9667a3b	type	Hero Insurance
Monster Trucks / int_a9667a3b	type	Hero Insurance
National Treasure / int_a9667a3b	type	Hero Insurance
Raw Deal / int_a9667a3b	type	Hero Insurance
Raw Deal (1986) / int_a9667a3b	type	Hero Insurance
Ride Along / int_a9667a3b	type	Hero Insurance
SHAZAM! (2019) / int_a9667a3b	type	Hero Insurance
Sherlock Holmes (2009) / int_a9667a3b	type	Hero Insurance
16 Blocks / int_a9667a3b	type	Hero Insurance
Society of the Snow / int_a9667a3b	type	Hero Insurance
Taken / int_a9667a3b	type	Hero Insurance
The Blues Brothers / int_a9667a3b	type	Hero Insurance
The 'Burbs / int_a9667a3b	type	Hero Insurance
The Dark Knight / int_a9667a3b	type	Hero Insurance
The Mask / int_a9667a3b	type	Hero Insurance
The Negotiator / int_a9667a3b	type	Hero Insurance
The Other Guys / int_a9667a3b	type	Hero Insurance
The World Is Not Enough / int_a9667a3b	type	Hero Insurance
They Died with Their Boots On / int_a9667a3b	type	Hero Insurance
Tomorrow Never Dies / int_a9667a3b	type	Hero Insurance
Transformers Film Series / int_a9667a3b	type	Hero Insurance
Venom (2018) / int_a9667a3b	type	Hero Insurance
Ghostbusters (Franchise) / int_a9667a3b	type	Hero Insurance
The Pink Panther (Franchise) / int_a9667a3b	type	Hero Insurance
Transformers Film Series (Franchise)	seeAlso	Hero Insurance
Date A Live / int_a9667a3b	type	Hero Insurance
KonoSuba / int_a9667a3b	type	Hero Insurance
Date A Live / int_a9667a3b	type	Hero Insurance
Date A Live Encore / int_a9667a3b	type	Hero Insurance
How to Succeed in Evil / int_a9667a3b	type	Hero Insurance
Inheritance Cycle / int_a9667a3b	type	Hero Insurance
Kaze no Stigma / int_a9667a3b	type	Hero Insurance
KonoSuba / int_a9667a3b	type	Hero Insurance
Little People, Big Guns / int_a9667a3b	type	Hero Insurance
Lockwood & Co. / int_a9667a3b	type	Hero Insurance
Magician's Academy / int_a9667a3b	type	Hero Insurance
Quiller / int_a9667a3b	type	Hero Insurance
Solar Defenders: The Role of a Shield / int_a9667a3b	type	Hero Insurance
Star Trek Crossover / int_a9667a3b	type	Hero Insurance
Tairen Soul / int_a9667a3b	type	Hero Insurance
The Henchman's Survival Guide / int_a9667a3b	type	Hero Insurance
The Magic School Bus / int_a9667a3b	type	Hero Insurance
Villains Don't Date Heroes! / int_a9667a3b	type	Hero Insurance
Wyvern Diary	seeAlso	Hero Insurance
BloodStone	seeAlso	Hero Insurance
SupermanAndBatmanGenerations	seeAlso	Hero Insurance
Blue Exorcist (Manga) / int_a9667a3b	type	Hero Insurance
Bokurano (Manga) / int_a9667a3b	type	Hero Insurance
Chronicles of the Going Home Club (Manga) / int_a9667a3b	type	Hero Insurance
Gamma (Manga) / int_a9667a3b	type	Hero Insurance
Geobreeders (Manga) / int_a9667a3b	type	Hero Insurance
Gigant (Manga) / int_a9667a3b	type	Hero Insurance
Gunsmith Cats (Manga) / int_a9667a3b	type	Hero Insurance
Kochikame (Manga) / int_a9667a3b	type	Hero Insurance
Kuroko's Basketball (Manga) / int_a9667a3b	type	Hero Insurance
Magilumiere Co. Ltd. (Manga) / int_a9667a3b	type	Hero Insurance
Rosario + Vampire (Manga) / int_a9667a3b	type	Hero Insurance
The Demon Girl Next Door (Manga) / int_a9667a3b	type	Hero Insurance
World Trigger (Manga) / int_a9667a3b	type	Hero Insurance
Hyperspace Evangelion (Roleplay) / int_a9667a3b	type	Hero Insurance
Prophesies Destinies And Killing Gods (Roleplay) / int_a9667a3b	type	Hero Insurance
The Mad Scientist Wars (Roleplay) / int_a9667a3b	type	Hero Insurance
Chicago Med / int_a9667a3b	type	Hero Insurance
Elementary / int_a9667a3b	type	Hero Insurance
Henry Danger / int_a9667a3b	type	Hero Insurance
Home Improvement / int_a9667a3b	type	Hero Insurance
House / int_a9667a3b	type	Hero Insurance
Lockwood & Co. (2023) / int_a9667a3b	type	Hero Insurance
Lois & Clark: The New Adventures Of Superman / int_a9667a3b	type	Hero Insurance
Power Rangers RPM / int_a9667a3b	type	Hero Insurance
Powerless (2017) / int_a9667a3b	type	Hero Insurance
RoboCop: The Series / int_a9667a3b	type	Hero Insurance
Shooter / int_a9667a3b	type	Hero Insurance
Supergirl (2015) / int_a9667a3b	type	Hero Insurance
The Boys (2019) / int_a9667a3b	type	Hero Insurance
The Finder / int_a9667a3b	type	Hero Insurance
The Mentalist / int_a9667a3b	type	Hero Insurance
Walker, Texas Ranger / int_a9667a3b	type	Hero Insurance
Wolf Like Me / int_a9667a3b	type	Hero Insurance
Wonder Woman (1975) / int_a9667a3b	type	Hero Insurance
AI: The Somnium Files (Video Game) / int_a9667a3b	type	Hero Insurance
A.S.P. Air Strike Patrol (Video Game) / int_a9667a3b	type	Hero Insurance
Atelier Shallie: Alchemists of the Dusk Sea (Video Game) / int_a9667a3b	type	Hero Insurance
Ben 10: Protector of Earth (Video Game) / int_a9667a3b	type	Hero Insurance
Blood Stone (Video Game) / int_a9667a3b	type	Hero Insurance
Crusader (Video Game) / int_a9667a3b	type	Hero Insurance
Forza (Video Game) / int_a9667a3b	type	Hero Insurance
Ghostbusters: The Video Game (Video Game) / int_a9667a3b	type	Hero Insurance
Into the Breach (Video Game) / int_a9667a3b	type	Hero Insurance
L.A. Noire (Video Game) / int_a9667a3b	type	Hero Insurance
Marvel Ultimate Alliance (Video Game) / int_a9667a3b	type	Hero Insurance
Max Payne (Video Game) / int_a9667a3b	type	Hero Insurance
Mega Man Legends (Video Game) / int_a9667a3b	type	Hero Insurance
Perfect Dark (Video Game) / int_a9667a3b	type	Hero Insurance
The Blackwell Series (Video Game) / int_a9667a3b	type	Hero Insurance
The Simpsons Hit & Run (Video Game) / int_a9667a3b	type	Hero Insurance
Wanted: Dead (Video Game) / int_a9667a3b	type	Hero Insurance
Watch_Dogs (Video Game) / int_a9667a3b	type	Hero Insurance
XCOM: Enemy Unknown (Video Game) / int_a9667a3b	type	Hero Insurance
Demonbane (Visual Novel) / int_a9667a3b	type	Hero Insurance
Dream Come True (Web Animation) / int_a9667a3b	type	Hero Insurance
How It Should Have Ended (Web Animation) / int_a9667a3b	type	Hero Insurance
CinemaSins (Web Video) / int_a9667a3b	type	Hero Insurance
Dr. Horrible's Sing-Along Blog (Web Video) / int_a9667a3b	type	Hero Insurance
Ghostbusters SLC (Web Video) / int_a9667a3b	type	Hero Insurance
Hellsing Ultimate Abridged (Web Video) / int_a9667a3b	type	Hero Insurance
In Service Of Nothing (Web Video) / int_a9667a3b	type	Hero Insurance
SHPR (Web Video)	seeAlso	Hero Insurance
Terrible Writing Advice (Web Animation) / int_a9667a3b	type	Hero Insurance
Amanda Green, Superhuman Insurance Agent (Webcomic) / int_a9667a3b	type	Hero Insurance
Anyone But Virginia (Webcomic) / int_a9667a3b	type	Hero Insurance
City of Reality (Webcomic) / int_a9667a3b	type	Hero Insurance
Evil, Inc. (Webcomic) / int_a9667a3b	type	Hero Insurance
Grrl Power (Webcomic) / int_a9667a3b	type	Hero Insurance
League of Super Redundant Heroes (Webcomic) / int_a9667a3b	type	Hero Insurance
One-Punch Man (Webcomic) / int_a9667a3b	type	Hero Insurance
Twisted Tropes (Webcomic) / int_a9667a3b	type	Hero Insurance
Atomic Puppet / int_a9667a3b	type	Hero Insurance
DC Super Hero Girls (2019) / int_a9667a3b	type	Hero Insurance
Fillmore! / int_a9667a3b	type	Hero Insurance
Hercules: The Animated Series / int_a9667a3b	type	Hero Insurance
Hong Kong Phooey / int_a9667a3b	type	Hero Insurance
Incredibles 2 / int_a9667a3b	type	Hero Insurance
Justice League: Doom / int_a9667a3b	type	Hero Insurance
Justice League vs. The Fatal Five / int_a9667a3b	type	Hero Insurance
Justice League: War / int_a9667a3b	type	Hero Insurance
Mega Man (Ruby-Spears) / int_a9667a3b	type	Hero Insurance
Megas XLR / int_a9667a3b	type	Hero Insurance
Miracle in Toyland / int_a9667a3b	type	Hero Insurance
My Adventures with Superman / int_a9667a3b	type	Hero Insurance
Roswell Conspiracies: Aliens, Myths and Legends / int_a9667a3b	type	Hero Insurance
Scooby-Doo! The Sword and the Scoob / int_a9667a3b	type	Hero Insurance
Shrek 4D / int_a9667a3b	type	Hero Insurance
Super Giant Robot Brothers! / int_a9667a3b	type	Hero Insurance
Superman vs. the Elite / int_a9667a3b	type	Hero Insurance
Sym-Bionic Titan / int_a9667a3b	type	Hero Insurance
TaleSpin / int_a9667a3b	type	Hero Insurance
The Incredibles / int_a9667a3b	type	Hero Insurance
The Incredibles / int_a9667a3b	type	Hero Insurance
The Rugrats Movie / int_a9667a3b	type	Hero Insurance
We Bare Bears: The Movie / int_a9667a3b	type	Hero Insurance
Red Daughter of Krypton (Comic Book) / int_a9667a3b	type	Hero Insurance
Burning Black / Fan Fic / int_a9667a3b	type	Hero Insurance
Project Arashi / Fan Fic / int_a9667a3b	type	Hero Insurance
Underdog / int_a9667a3b	type	Hero Insurance

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