Branch Insurance Review

Pros and Cons

Pro: Being an agent of GSNIC, Branch is backed by an A+ financial strength rating. They also have a very user-friendly website as well as an easy to use mobile app.

In order to keep costs and premiums low, Branch sells insurance directly. 

Con: On the downside, Branch has only been around for a few years, and despite being backed by well-known firms, they are still a rather new player in the field. Branch is also only licensed to write policies in Ohio, Arizona, Illinois, Missouri, and Texas. 

Types of Auto Insurance

Branch offers the following types of car insurance coverage:

Bodily Injury Liability. Pays medical expense claims for the other person in an accident if you are at fault.

Property Damage Liability. Pays vehicle repair or replacement claims for the other person, and claims for damage to other property in an accident if you are at fault.

Collision. Pays for damage to your car in a collision accident, generally based on the value of the car, replacement value, or the amount to repair the vehicle.

Comprehensive. Pays for damage to your car from something other than a collision, such as a flood, fire, vandalism, theft, or hitting an animal.

Uninsured / Underinsured Motorist. Pays the cost of property damage or bodily injury claims if the at-fault driver does not have adequate insurance.

Medical Payments. Pays medical expense claims for you and your passengers if you are injured or die in an accident. Pays medical expenses due to an accident for you and family members named on your policy if they are injured or die while in other vehicles. In some states, pays medical expense claims if you or family members on your policy are injured by a car while walking as pedestrians.

Additional Features

You can earn discounts and perks with the following programs:

• Home and Auto Insurance Bundling. You can bundle your auto and home insurance together in about a minute, and save on your total insurance premiums.
• My Community. Refer a friend in participating states and get a $25 Amazon Gift Card. Plus, you can save 1% off your insurance for every friend who joins.
• Vouch for Me. You can lower your insurance payments by up to 5% when you get another Branch customer to vouch for you that you won’t commit insurance fraud.

How to Apply

One impressive part of Branch is how they’re able to deliver firm quotes without much personal information.Branch accesses consumer databases that contain most of the information it needs, saving you time and hassle.

You can apply on the Branch website or with the mobile app. You’ll enter your personal information, your vehicle’s identifying information, and information about other drivers you want to add to the policy. 

Filing a Claim

You can file an insurance claim using the Branch mobile app, online, or by phone. The process is designed to be fast and easy.

Filing online is convenient right until you have questions or you hit a snag. Then, you want to talk to a real person and get help through the process. Branch offers just that. When you file a claim, you’re assigned a personal Claims Guide who is with you every step of the way.

Here’s what to expect:

• You file a claim online, using the mobile app, or by phone. You are asked for identifying information, the date of the accident, and a few questions about what happened. You can upload photos, estimates, and other information.
• You meet your Claims Guide immediately after you file.
• Your Claims Guide stays in touch with you throughout the process.
• When your claim is finalized, your Claims Guide lets you know.

Contact Branch

Contact Branch using any of the following channels:

Phone: 1(833)427-2624

Online: https://ourbranch.com/s/claims

Mobile app: Download the Branch app

Summary

Branch is a new entry in the insurance field, with licenses to sell insurance in five statesApplying for insurance doesn’t have to be a lengthy chore, with long phone conversations with an agent or filling out pages of forms. Branch’s technology uses a few pieces of your information to ping existing consumer databases and extract the information it needs to give you a quote, fast. And Branch’s system is efficient, resulting in lower premiums for you.