Insurance insights.
Practical guides to help you ask better questions about the coverage for your life, home, and business.
Featured guides
Term vs. Whole Life Insurance: What’s the Difference?
Compare term and whole life insurance by coverage length, premium, and cash value. Know which questions to ask before choosing a policy.
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Contractor Insurance: A Coverage Checklist
Prepare for a contractor insurance review by listing your work, subcontractors, vehicles, tools, and the coverage required by your contracts.
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Why Consider Flood Insurance for Your Property?
Learn why standard homeowners coverage typically excludes flooding and what to check when comparing building and contents flood insurance.
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What to Do After a Car Accident
Read Alpha Direct Agency’s step-by-step guide to documenting a car accident, contacting your insurer, and preparing for the claims process.
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Common Mistakes When Comparing Health Insurance
Review common considerations when comparing health insurance plans, including networks, out-of-pocket costs, and coverage terms.
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Home Renovations and Homeowners Insurance
Learn why renovations are a good time to review your homeowners insurance and what to discuss with your agent before work begins.
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Insurance for Churches and Places of Worship
Prepare for a church insurance review by documenting buildings, property, activities, volunteers, transportation, and use of the facility by others.
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When and How to Review Your Life Insurance Policy
Learn when to review a life insurance policy and how to check beneficiaries, coverage needs, term dates, and premiums after a major life change.
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What Affects Your Auto Insurance Premium?
Understand common auto insurance pricing factors, from driving history and vehicle use to coverage limits, deductibles, and available discounts.
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High-Deductible Health Plans: Pros, Cons, and Costs
Compare a high-deductible health plan’s premium, deductible, network, and out-of-pocket limit, and check whether the plan qualifies for an HSA.
Read the guideDo You Need Roadside Assistance Coverage?
Compare roadside assistance for towing and breakdowns, check service limits, and see whether you already have similar protection before adding it.
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Business Interruption Insurance: What to Review
Learn how business income coverage may respond after a covered loss, and review limits, waiting periods, extra expenses, and recovery time.
Read the guideDisability Income Insurance: What to Compare
Learn how disability income insurance can replace part of your earnings and compare benefit amounts, waiting periods, and definitions of disability.
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