Why We Insure Phones But Not Ourselves: Understanding Visibility Bias In Insurance
Fires and crashes dominate headlines, so we rush to insure our homes and cars. Serious illness and income loss rarely make the news, so we push those decisions to “later.” We unpack visibility bias—the mental shortcut that tricks smart people into overinsuring stuff and underinsuring themselves—and show a clearer way to build protection that actually holds when life turns.
Together with Rebecca, we break down why salience and emotion drive insurance choices, how the “she’ll be right” mindset feeds optimism bias, and what really happens to a household when the paycheque stops. You’ll hear…
The skinny
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