insuranceGuru

Decoding the broken math of the US insurance industry. Deep-dive analysis on Home, Auto, and Health coverage. Editor at 🇺🇸

[insuranceGuru @deVvrituals]

you can opt out, but they bury the setting in the fine print.

i broke down how "Usage-Based Insurance" tracking actually works and the massive privacy trade-off you are making (often without even knowing it).

full guide here:
https://t.co/gPgh0OeDoU

#privacy #cars

[insuranceGuru @deVvrituals]

if you drive a car made after 2020, check your app settings now.

your hard braking and speed data is likely being sold to LexisNexis and insurance carriers behind your back.

this is why your rates went up even with a clean record. it is shadow surveillance. 🧵

[insuranceGuru @deVvrituals]

We got tired of lead-gen sites asking for my email, so we built our own calculator.

it runs the full DIME math right in your browser. no sign-up, no spam. just the math.

run your numbers here:
https://t.co/IMBDcEmvN2

#PersonalFinance #MoneyTwitter

[insuranceGuru @deVvrituals]

stop picking "$1 million" for life insurance just because it sounds big.

10 years ago, it was enough. today? with inflation & tuition costs, it runs out in ~7 years for a family of 4.

guessing is a dangerous strategy. use the DIME method (Debt, Income, Mortgage, Education). 🧵

[insuranceGuru @deVvrituals]

aircover is a protection program, not a legal insurance contract. it has massive loopholes regarding "wear and tear" and theft.
if you host more than a few days a year, you need a specific home-sharing endorsement or a DP-3 landlord policy.
full breakdown:
https://t.co/cNYbF3GtEf

[insuranceGuru @deVvrituals]

psa airbnb hosts: your home insurance prob doesn't cover guests.

the second you take payment, it’s a "business risk" & most standard policies exclude that. don't risk your whole house for 1 booking. if you rely solely on "aircover", you're in for a nasty surprise

[insuranceGuru @deVvrituals]

don't wait for the state-run "Citizens" policy to be your only option. check for a surplus lines broker first.

i broke down the step-by-step recovery plan for Florida and California homeowners here:

https://t.co/LDZmVtCYHK

[insuranceGuru @deVvrituals]

the "Florida Insurance Crisis" isn't just hurricanes. it's the "litigation tax."

FL has 7% of US claims but 75% of all insurance lawsuits. This is why carriers are fleeing.

Homeowners: here is how to handle a non-renewal notice. 🧵