Derek San Filippo

Derek San Filippo

Insurance Expert
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Derek is a former staff writer and 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.

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

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Recent Articles

Auto Insurance
How Much Does Sports Car Insurance Cost?

The cost of sports car insurance varies with prices ranging from $117.63 per month for a Chevrolet Camero to as high as $785.78 per month for a Porsche 911. Sports cars are typically more expensive to insure than other vehicles due to their higher purchase prices coupled with the potential risk inherent in driving a vehicle designed for speed and maneuverability.

Health Insurance
What Is Coinsurance in Health Insurance?

Coinsurance is the percentage you pay towards each covered medical service and is typically paid after you meet your plan's annual deductible.

Renters Insurance
Can You Share Renters Insurance With a Roommate? Pros and Cons

If you bought renters insurance but your roommate did not, there are a few things you need to know.

Auto Insurance
Does My Job Qualify for an Insurance Discount?

Jobs that get car insurance discounts include educators, first responders, engineers and many others. As an added bonus, some insurance companies mark drivers with these occupations as low-risk and may charge lower premiums as a result.

Health Insurance
25 Questions to Ask When Buying Health Insurance

We have some frequently asked questions that will help you as you comparison shop health insurance rates online. Keep reading to make sure you have the right plan.

Life Insurance
How Do I Know if I Need Life Insurance?

If you have a mortgage, a small business or any dependents relying on your income, then you likely need life insurance. The amount and type of life insurance you should buy may depend on how old you are, how much money you make and what expenses you intend for the life insurance death benefit to cover.

Life Insurance
What Is Covered by My Life Insurance Policy?

Your life insurance policy will pay a death benefit to your beneficiary if you die due to natural causes, you were the victim in an accident or homicide or, in some cases, if you commit suicide. Your beneficiary can spend the death benefit however they want. For example, it can be used to repay joint debt, start a college fund or pay for childcare.

Renters Insurance
How To File a Renters Insurance Claim in 7 Steps

If you need to file a renters insurance claim, you’ll want to gather the necessary documentation and contact your insurance company as soon as possible. Avoid delays in filing and double-check that whatever loss you’re filing a claim for will be covered. Otherwise, your claim could be denied.

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.