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Branch Insurance Review

Reviews 2,698
Branch Insurance
Branch Insurance
Excellent
Reviews 2,698
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.‎
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Trustpilot reviews
See what some customers are saying about Branch Insurance
Excellent • Reviews 2,698
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.
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VH
VIRGINIA HARTFIELD
3 weeks ago
Home owner
Honest,helpful and reliable
VJ
Vernita Jones
4 weeks ago
Amazing Vanna
Vanna is such a professional. She helped me get the perfect home insurance. She made me feel like she really cared about my concern. She was so patient and knowledgeable with me too. I needed that! I’m so happy that I have good home insurance!
MG
Michelle Garcia
1 month ago
Devon was very helpful.
Devon explained everything to me clearly. She made the process very easy. I was also pleasantly surprised with the savings.
MP
Minee Petersen
1 month ago
Suzzie
Suzzie, reviewed all supplements with no bias and explained what was covered by the policy. We came to quick resolution and has been nothing but professional and courteous. I really enjoyed working with her.
Tanya Wiseman
1 month ago
Thank you for superb service during our time of trouble
Good morning, My name is Tanya Wiseman and my husband's name is James Wiseman. What made our experience great was that we had Ms Suzzie Gilham . She was very comforting to talk to when I felt overwhelmed at times with the events that had occured with always kind words and words of encouragement. I was so troubled about everything and she was really our help for clarity in the process and very knowledgeable. She is truly Godsent and a blessing to my husband , my family and I. Ms. Gilham went above and beyond to make sure all our concerns were met and addressed and for that I am forever grateful for her in guiding us through some pretty tough things. We thank God for sending her our way and thank Branch insurance for having such a great person on their team such as Ms Gilham. Her service is greater than the top star that could be chosen and professionalism has been top tier,cream of the crop as well. Thank you so very much, Ms.Suzzie. May God continue to bless you and yours, the work of your hands and Branch insurance for having such a great person on their team in doing a superb job and job well done. Sincerely, Mr. and Mrs Wiseman
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