Coverage Options

Find the Right Coverage for You

Six straightforward insurance plans designed for every stage of life — from first-time homeowners to retirees and growing businesses.

  Get a Personalised Quote   Talk to an Advisor
Home › Insurance Plans

Our Insurance Plans

Six comprehensive coverage options designed for every stage of life and business growth.

Most Popular
Family home protected by insurance

HomeShield Plus

$28/month

Full home protection for property owners and renters.

  • Structural damage coverage
  • Personal contents protection
  • Liability up to $500,000
  • Natural disaster add-on
  • 24/7 emergency helpline
Get This Plan
Happy family outdoors

FamilyFirst Life

$22/month

Term and whole-life policies for your family's future.

  • Coverage up to $2 million
  • Term or whole-life options
  • Critical illness rider
  • Premium waiver on disability
  • Children's coverage included
Get This Plan
Car on open highway

DriveSecure 360

$19/month

Complete auto protection on every road you travel.

  • Collision and comprehensive
  • Liability and uninsured motorist
  • Roadside assistance
  • Rental car reimbursement
  • New car replacement
Get This Plan
Doctor reviewing health records

HealthGuard Premium

$45/month

Comprehensive individual and family health coverage.

  • Preventive care included
  • Specialist visits covered
  • Prescription drug coverage
  • Mental health benefits
  • Dental and vision add-on
Get This Plan
Modern office building

BizShield Commercial

$89/month

Protect your business from liability, damage, and loss.

  • General liability coverage
  • Commercial property
  • Business interruption
  • Workers compensation
  • Cyber liability option
Get This Plan
Senior couple enjoying retirement

RetireWell Shield

$35/month

Specialized plans for seniors and retirees seeking security.

  • Long-term care coverage
  • Medicare supplement plans
  • Final expense insurance
  • Fixed annuity options
  • In-home care benefits
Get This Plan

Plan Comparison at a Glance

Not sure which plan suits your situation? This side-by-side comparison highlights the key differences across our most popular personal plans.

Feature HomeShield Plus FamilyFirst Life DriveSecure 360 HealthGuard Premium
Monthly Premium From $28 From $22 From $19 From $45
24/7 Emergency Line
Bundle Discount Available
Annual Coverage Review
Named Advisor Assigned
Digital Policy Documents
Why DirectPolicyLink

Coverage That Works as Hard as You Do

We do not just sell policies — we build long-term relationships. Our advisors take time to understand your situation, your risks, and your budget before recommending any coverage. You will never be pushed toward a plan that does not fit.

Every plan is reviewed annually for relevance and competitive pricing. If your life changes, your coverage should change with it. We monitor the market continuously and proactively reach out if better options become available for your profile.

  • No-commitment free quotes completed in under 5 minutes
  • Bundle discounts up to 25% on combined personal policies
  • Claims processed and paid within 48 hours on average
  • Licensed in all 50 states with localised coverage expertise
Start Your Quote
Insurance advisor reviewing policy documents with client

Understanding Your Coverage

New to insurance or revisiting your policies after a life change? These articles explain the fundamentals clearly.

What Home Insurance Actually Covers

Most homeowners assume their policy covers everything. In reality, standard policies exclude floods, earthquakes, and gradual damage. We explain what is in, what is out, and what add-ons are worth purchasing.

Collision vs Comprehensive Auto

Collision covers damage from accidents. Comprehensive covers theft, weather, and events outside your control. Understanding the difference helps you choose the right deductible and avoid paying for coverage you may not need.

Term Life vs Whole Life Explained

Term life is pure death benefit protection for a set period. Whole life builds cash value over time. The right choice depends on your age, income, dependents, and financial goals — our advisors walk you through both in detail.

What Business Insurance Must Include

General liability, commercial property, and business interruption form the core of any commercial policy. Cyber liability and workers compensation are increasingly essential additions that many small businesses overlook until it is too late.

Family reviewing insurance bundle savings
Bundle and Save

Combine Policies for Up to 25% Savings

When you protect multiple areas of your life with DirectPolicyLink, the savings stack up quickly. Our multi-policy discount applies automatically when you bundle two or more plans, and the more you add, the more you save.

The most popular combination is our home and auto bundle, which typically saves clients $480 to $840 per year compared to holding the same policies with separate insurers. Our advisors calculate your bundle savings upfront so you know exactly what you gain before committing.

  • Home and auto bundle: average saving of $620 per year
  • Home, auto, and life bundle: average saving of $940 per year
  • Single billing date for all bundled policies for simplicity
  • One advisor manages the entire bundle with a single annual review
Get Bundle Quote

What Policyholders Say About Our Plans

Real feedback from clients who chose DirectPolicyLink for their coverage needs.

I had my home and auto with two different insurers for years. When I bundled both with DirectPolicyLink, the combined premium was actually lower than either individual policy had been. The transition took less than a week.

David K. — Charlotte, NC

HealthGuard Premium covered my daughter's specialist appointments in full. I have had other health plans where specialist visits came with enormous out-of-pocket costs. DirectPolicyLink made sure I understood exactly what was covered before I enrolled.

Priya S. — San Jose, CA

BizShield Commercial gave my small landscaping business the liability coverage we needed to secure commercial contracts. Our advisor explained exactly what documentation clients would need to see, and the certificate of insurance was ready within 24 hours.

Tom W. — Nashville, TN

Not Sure Which Plan Is Right for You?

Our advisors will help you compare options and choose the best fit for your needs and budget. No pressure, no obligation.

Get a Free Quote Talk to an Expert