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About David's expertise
David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.
Our Editorial Guidelines
Insurify’s content goes through a rigorous editing and fact-checking process that includes reviews by insurance agents, data scientists, and multiple editors with years of experience in insurance and personal finance. We vet every article and report for: accuracy, educational value, objectivity, enjoyability.
Learn more about our editorial team and editorial guidelines here
David's latest posts
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What Is Gap Insurance for Cars, and Do You Need It?
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How Much Will Insurance Pay for My Totaled Car? (Full Guide)
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Gap Insurance on Used Cars: Do You Need It?
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Average Car Insurance Cost in Florida (2025)
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What Is Full-Coverage Car Insurance?
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11 Ways to Lower Car Insurance Costs in 2025
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Why Is Car Insurance So Expensive in California? (2025)
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What Comprehensive Car Insurance Covers in Texas
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Uninsured Motorist Coverage in Texas: What to Know
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How Much is Insurance for a 16-Year-Old in Texas?
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What Age Does Insurance Go Down in Texas?
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How to Get Car Insurance in Florida (2025)
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Florida Car Insurance Laws (2025)
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How to Get a Driver’s License in Georgia
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Is New York a No-Fault State for Auto Insurance?
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The Best Roadside Assistance Plans in 2025
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Farm Bureau Auto Insurance: User Reviews and Quotes (2025)
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Do Car Insurance Costs Increase After a Claim?
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How Much Does Flood Insurance Cost?
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How Old Do You Have to Be to Drive in Each State?
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What Is Renters Insurance and How Does It Work?
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High-Deductible Car Insurance (2025)
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What Is an Escrow Balance, and How Is It Calculated?
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How Does Car Insurance Work?
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Am I in a Flood Zone?
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How Much Does It Cost to Neuter a Cat?
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What Storage Unit Insurance Covers
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What Is a Homeowners Insurance Declaration Page?
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What Is Equipment Breakdown Coverage?
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What Is Actual Cash Value? Understanding Your Home Insurance Policy
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What Is Recoverable Depreciation?
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What Is a Moral Hazard in Homeowners Insurance?
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What Is Loss of Use Coverage in Homeowners Insurance?
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What Does Pet Insurance Cover?
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Does Pet Insurance Cover Spaying or Neutering?
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How Much Is Homeowners Insurance on a $150,000 House? (2025)
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What Is Pet Insurance? A Complete Guide (2025)
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Airbnb Insurance: A Guide for Hosts and Guests
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Personal Property Coverage: What You Need to Know
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How Much Does an Alternator Cost?
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Cheapest Used-Car Insurance (2025)
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Tesla Battery Replacement Cost (2025)
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What Your Home’s Protection Class Is and How to Find It
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Property Management Insurance: What to Know About Coverage
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Does Personal Car Insurance Cover a Rental Car?
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Umbrella Insurance: What It Is and How It Works (2025)
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What to Do After a Hit-and-Run
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How Much Does Life Insurance Cost?
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Extended Car Warranties: What You Need to Know
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Can You Get an Anonymous Car Insurance Quote? (2025)
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What Does Collision Insurance Cover?
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How to Get Cheaper Car Insurance With a Low Income
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