David Joy

David Joy

Insurance Expert

David Joy is a freelance writer and editor living in New York City. He has written on many topics related to the insurance industry including company overviews, product explainers and policy comparisons. He has worked in publishing for more than 25 years, editing books, newspapers, magazines and websites.

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Recent Articles

Auto Insurance
Can I Claim Car Insurance on My Taxes?

You are allowed to deduct car insurance premiums from your taxes if you use your vehicle for business purposes and are self-employed or pay the premiums yourself without being reimbursed by your employer. This lowers your taxable income, meaning you won’t have to pay taxes on the money you spend on auto insurance premiums throughout the year.

Auto Insurance
Does Income Affect Car Insurance Rate?

Your insurance score is greatly affected by your credit rating, which is a reflection of your payment history, credit history, debt, credit mix and credit accounts.

Home Insurance
The Pros and Cons of Buying a Condo, Townhouse and a House

Having equity in property seems like a wise road to a carefree retirement unburdened with the heavy cost of housing, but here's what you need to know.

Auto Insurance
Does Your Address Affect Your Car Insurance?

When you change your address, you’re obligated to let the DMV know, but did you know that you are supposed to tell your insurance company too? Yes, it's a major rating factor!

Renters Insurance
Homeowners Insurance vs Renters Insurance: What's the Difference?

Unlike renters insurance, homeowners insurance will pay for a house to be fixed when it's damaged or rebuilt after it's destroyed. Find out more here.

Home Insurance
Does Home Insurance Cover Earthquakes?

Most homeowners insurance policies do not cover earthquakes. As a result, you will need to buy earthquake insurance as a separate policy or an endorsement to your homeowners policy to receive coverage for home rebuilding, property repairs and temporary living expense support after an earthquake.

Auto Insurance
Driving, Marijuana, Car Insurance: Your Questions Answered

Even if we assume that the majority of these 39 million regular pot smokers would never get behind the wheel in a state of impairment, the law of averages dictates that some of them will.

Auto Insurance
Why It Pays to Compare Auto Insurance Quotes

Unless you compare auto insurance rates from different auto insurance companies, how can you be certain that you're getting the lowest auto insurance rate?

Auto Insurance
Auto and RV Insurance: An Explainer

Most agents will try to sell you specialty RV insurance but are you required by law to have it?