Mutual Occult Insurance

Game type and premise

Mutual Occult Insurance is a multiplayer horror and satire game for PC where players take on the role of field agents working for an insurance company that covers damages from unexplained origins. As agents, your job is to assess claims involving incidents like fires, flooding, and vandalism, determining if supernatural forces are genuinely to blame or if fraud is occurring.

Investigating claims

Each claim serves as a new case file, taking players to various locations across 1980s America, such as suburban homes and video rental stores. Players must conduct interviews with the insured and witnesses, gather evidence, and analyze what might be behind the incidents. The game's environments are dynamic, with rooms and contents changing between claims.