An Insurance Agent Question that Has Nothing to do with Combat Bonuses!

[Aeradom]

First off, I'm new to the forums so ... Hello all!

Second, and onto my question, I searched around the forum for this answer but all I found was a bunch of bellyaching of someone playing of the one-two combo of IA and Ghoulfiends. My question has to do with the bad stuff though:

Moderator edit: Please don't quote card text on the forums.

I bold the second part because that is where I have my question. You see, the individual only has 1 treasure card (Potion of Halitosis: 100 Gold) so clearly not enough to "buy insurance". However, she does have 5 door cards in her hand. She believed that "all you have" would include the door cards where I think the emphasis is on treasure cards alone. Who is right?

[MunchkinMan]

The Bad Stuff says Items, which means carried Items (i.e., those Items you have in play). Hand cards don't count for you and can't be affected by a Curse or Bad Stuff unless the Curse or Bad Stuff specifically says it affects cards in your hand.

[Aeradom]

Originally Posted by MunchkinMan

The Bad Stuff says Items, which means carried Items (i.e., those Items you have in play). Hand cards don't count for you and can't be affected by a Curse or Bad Stuff unless the Curse or Bad Stuff specifically says it affects cards in your hand.

Ah good! You answered two questions for the price of one! Thanks again.