Daniel J. Middleton
Daniel is an accomplished content creator. He has been working in publishing for almost two decades. Horan Companies hired Daniel as its content manager in November 2022. The agency entrusted its messaging to him. Since then, Daniel has written insurance articles, service pages, PDF guides, and more. All in an effort to educate CNY readers. He's helping them understand the world of insurance so they can make informed decisions.
Home Insurance | General Topics
How Do I Insure an Expensive Bicycle in Central New York?
July 3rd, 2026|4 min read
If Your Insurance Company Closes, Are You Still Covered? What New York's Guaranty Fund Means for CNY Policyholders
July 1st, 2026|3 min read
Home Insurance | Equipment Breakdown Insurance
Does Your Homeowners Insurance Cover a Broken Furnace? What CNY Homeowners Should Know About Equipment Breakdown Coverage
June 29th, 2026|3 min read
A Comprehensive Horan Guide to Homeowners Insurance
June 26th, 2026|17 min read
Service Contracts vs. Insurance: What CNY Drivers and Homeowners Should Understand Before Signing
June 24th, 2026|3 min read
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The Duty to Defend in New York Liability Policies: Why It Belongs to the Insurer, Not You
June 22nd, 2026|3 min read
After an Incident, What You Do Before Calling Your Insurer Can Cost You
June 17th, 2026|3 min read
When a Liability Claim Feels Like a Private Matter — and Why That Thinking Backfires in New York
June 15th, 2026|3 min read
Driving for DoorDash or Instacart in CNY? The Insurance Gap New York Law Leaves Open
June 10th, 2026|3 min read
Two Causes, One Loss: Why the Wording of Your Policy Matters
June 8th, 2026|3 min read
Should I Keep “Full Coverage” on My Paid-Off Car?
June 5th, 2026|5 min read
Smart Questions to Ask Before Signing for Add-Ons at the Dealer Finance Office
June 3rd, 2026|3 min read
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Get in TouchMechanical Breakdown Insurance for CNY Drivers: An Alternative to Dealer Warranties
June 1st, 2026|3 min read
Understanding Uninsured and Underinsured Motorist Coverage
May 29th, 2026|5 min read
Non-Owner Policy or Listed Driver: Understanding the Difference for Central New York Drivers
May 27th, 2026|3 min read
Selling Your Car in Central New York Without a Replacement Vehicle: What Happens to Your Auto Insurance
May 25th, 2026|3 min read
The Hidden Risks of Keeping Your License Plates After Selling Your Car
May 22nd, 2026|4 min read
Car Insurance | General Topics
Non-Owner Auto Insurance in Central New York: Coverage for Drivers Without a Vehicle
May 20th, 2026|4 min read
Car Insurance | General Topics
After the Total Loss: New York's Salvage and Rebuilt Title Process Explained
May 18th, 2026|5 min read
Why The Insurer Totaled Your Car and How it Impacts Your Insurance Claim
May 15th, 2026|4 min read