We earn a commission from brands listed on this site. This influences the order and manner in which these listings are presented.
BestMoney logo

Branch Insurance Review

Reviews 2,738
Branch Insurance
Branch Insurance
Excellent
Reviews 2,738
Ashlyn Jackson
May. 04, 2023
3 min read
Ashlyn Jackson
Branch Insurance Summary
Having excellent home insurance is one aspect of home buying that you don’t want to overlook. Protecting your home against unexpected damages or risks should be a priority and having a home insurance lender that makes the process simple and affordable is invaluable. Branch insurance takes the guesswork out of the insurance process. With a quick quote process and customizable packages, Branch gives its customers control during each stage.

Pros

  • Fast and free quotes
  • Switch providers easily
  • Mobile app for 24/7 accessibility

Cons

  • Limited discounts available
  • Limited availability to certain states
  • No physical locations

Branch Insurance at a glance

8.4
Editorial score

Variety of coverage options

Covers most types of damage, loss, theft and personal property. Maximum payouts for personal property
8.0

Customizable rates and services

Customizable plans and rates
8.0

Online experience and customer support

Basic site with evening and weekend customer service available
6.0

Quote time

Under 2 minutes
10.0

Direct Insurer?

Yes, direct insurer
10.0

Best For?

While Branch insurance offers a wide array of coverage options for its customers, those who will benefit most from Branch’s services are those looking for savings and convenience. Branch gives its customers options on what coverage to add, when to bundle and an exceptional tool to easily switch providers. All of this can be done fast and free with the convenience of their online quote system that boasts providing a detailed quote with minimal information in as little as 30 seconds. 

What Coverage Includes

Home insurance with Branch is fully customizable and easy to change from the comfort of your home. Once you’ve answered the quote questions, Branch gives you a detailed customization list that lets you add or take away different types of coverage. These include:

  • Incremental coverage
  • Personal property
  • Liability limit
  • Other structures limit
  • Additional living expenses
  • Water Backup
  • Guest medical limit
  • Deductibles for Wind and Hail
  • Deductibles for other perils


Additional Coverage

Branch also offers additional coverage, such as auto insurance, jewelry insurance and umbrella coverage. Branch  lets you customize these policies as well and bundle more than one policy for added savings. Some of the additional coverage options for their auto policy include:

  • Limited liability (minimum, low, medium or high)
  • Bodily injury per person
  • Bodily injury per accident
  • Property damage
  • Uninsured motorist
  • Underinsured motorist

Application Process

The application process takes only a few minutes to fully complete and review. Customers can begin by applying for a quote which asks for your name and address. If the system requires more information it will prompt you with various questions pertaining to your home such as bathrooms, square footage, etc. 

Once you’ve answered the on screen questions you will then be given the option to review your policies, it is here that all of the customization happens. You pick which coverage to include and how much. With options of just home or auto as single policies or bundling for more savings. 

They also offer the pick a plan option which allows customers to choose between three coverage options: economy, standard and premium. Branch breaks down what each policy costs. The cost variation depends on your deductible, with the economy having the lowest charge but the highest deductible. You’re then given the option to purchase right from your portal.

Discounts

Branch insurance operates by selling direct, this allows them to keep costs low for all of its customers. To compliment their lower policy prices, Branch also offers additional discounts for bundling two or more policies. This can include their home, auto, renters or umbrella coverage policies. 

In addition, customers that partake in Branch’s Pledge program can earn discounts of 1% up to 5% on their coverage for as long as they are both customers.  

How Safe is it?

Backed by a top rating from the Better Business Bureau, Branch insurance has been an accredited business since 8/27/2019. 

According to the company, it gathers information about its users, but allows them to opt-out and decline, if they choose to. This information will be typically shared with the following entities:

  • Businesses that conduct actuarial or other research studies
  • Claims adjusters involved in your claim process
  • Insurance carriers that play a role in our insurance transaction with you
  • Vendors and third-party service providers

Claims & Customer Support

Accidents happen, and when they do, filing a claim with your insurance needs to be simple. Branch insurance provides you with a personalized claims guide that is with you from the start. Filing a claim can happen one of three ways; using the Branch app, going online or calling Branch support (833-427-2624).

The claims process happens in four easy steps. 

  1. File your claim
  2. Meet your personalized claims guise
  3. Your claims guide guides you through the process
  4. Once your claim is finalized your guide will inform you. 

Customer support is available in one of two ways. You can access by phone, calling (833)-427-2624 Mon-Fri 9am to 7pm EST. Or you could do a live chat through their online website to receive assistance. 

Summary

Customers who are looking for savings, and convenience will find that Branch insurance fits their needs and makes switching providers near seamless. With an easy to navigate online presence and a mobile app, Branch gives their customers control when it comes to getting the coverage they need. 

Ashlyn Jackson
Written by
Ashlyn Jackson
Ashlyn is a financial writer and civil engineer. She's on a mission to show others how to save and spend smarter through budgeting and good money habits. She also manages the blog dearyoungprofessional.com that focuses on personal finance. She writes for BestMoney and enjoys helping readers make sense of the options on the market.‎
Top Home Insurance
QuoteWizard
QuoteWizard
Read Review|Visit Site
Read all reviews

Must Reads

What Does Home Insurance Cover (and What Does It Not)?
Jul. 17, 2024
The Ultimate Guide to Home Insurance in 2023
Jul. 17, 2024
The Ultimate Guide to Renters Insurance
Jul. 17, 2024
Read all articles
Trustpilot reviews
See what some customers are saying about Branch Insurance
Excellent • Reviews 2,738
on
Excellent
88%
Great
7%
Average
1%
Poor
1%
Bad
3%
We upload 100 to 400 Trustpilot reviews to our website daily, displaying them by default from "best" to "worst". You have the option to adjust the sorting criteria. If you wish to see all reviews, you can visit Trustpilot's website here.
Sort by