Derek San Filippo

Derek San Filippo

Insurance Expert

Derek has written 100+ articles on property & casualty, health and life insurance topics as an insurance expert for SmartFinancial. Within his decade-long career writing about finances, entertainment, religion and philosophy, Derek spent three years writing financial articles for credit unions throughout the U.S. He prides himself on his ability to translate complex topics into actionable tips for everyday people.

Auto Insurance, Home Insurance, Health Insurance & more
B.A. in Christian Studies from Grand Canyon University
Featured in
Yahoo, MSN, 2UrbanGirls, CUInsight, ScreenRant, FaithfulTalk

Talk to One of Our SmartFinancial Experts

If you're a journalist, contact us at to interview one of our SmartFinancial insurance experts for your next article.

Recent Articles

Health Insurance
How Do I Choose Between HMO and PPO Insurance?

PPOs typically have larger provider networks and don’t require specialist referrals but are also more expensive than HMOs.

Commercial Insurance
What Is Business Insurance and How Does It Work?

Business insurance will protect your company from liability claims and other risks. Learn how much coverage costs.

Commercial Insurance
What Is Business Owners Policy Insurance?

A business owners policy (BOP) is a commercial plan that bundles general liability, business property and business interruption insurance into a single package.

Health Insurance
What Is a Health Insurance Deductible? What You Pay Before Coverage Begins

Your health insurance deductible is how much you need to pay before your insurance coverage starts paying for your medical expenses. Learn how they work and which deductible is best for you.

Auto Insurance
How To Read My Car Insurance Declaration Page

Your car insurance declaration summarizes your coverage and includes your insurance costs and who is listed on your policy. Read to see what else is included on your declaration page.

Auto Insurance
What Is Personal Injury Protection? Coverage for Your Car Accident Injuries

Personal injury protection (PIP) covers your medical expenses and even lost wages if you are injured in a car accident. Learn if your PIP is available in your state.

Auto Insurance
How Do I Choose the Right Car Insurance Deductible?

Choose a car insurance deductible that fits your budget and will complement your driving habits. Learn what factors to consider and whether you choose to go low or high.

Home Insurance
How Can I Protect My Home? Indoor, Outdoor and Cyber Defense

Learn how to protect your home with these 15 tips, including installing smart home devices and creating a home inventory.

Life Insurance
25 Questions To Ask When Buying a Life Insurance Policy

Once you make the decision to buy life insurance, selecting the right life insurance company and plan is extremely important. Here are some things to remember.