Branch - Home insurance
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Overview
Branch started out in 2018 and it is an insurance carrier that provides a few different types of coverage. Its main area of expertise is home insurance, which is the area that this review will focus on. The Ohio-based Branch is constantly expanding and it currently deals with customers in 24 states. As time goes on, this list is likely to grow and grow.
Branch also looks to have as low-cost of a business model as possible. It makes insurance more affordable in many different ways, including not spending as much advertising as competitors and providing various perks and rewards to customers.
Good for:
- People looking for quick quotes
- Homeowners who want a reputable insurance company
- Those looking to get the best deal possible
Pros & Cons
Pros
- Very fast quote process
- Extremely efficient process from start to finish
- Offers competitive rates
- Everything can be done online
Cons
- No physical branches
Features
There are a lot of great features that are a part of Branch’s home insurance offering. The entire process is streamlined to make it as easy as possible for people. This means that you can get a quote after entering just a couple of pieces of information.
There is a great Branch mobile app that you can use to manage all aspects of the home insurance process, making everything much easier. All claims can be filed online, so you don’t need to mail or fax any documents. You’ll also be dealing with local agents and have access to 24/7 phone support.
Finally, another feature is the community-driven aspect of Branch. It leverages the power of the community to offer more affordable rates.
Insurance Coverage Plans, Terms & Requirements
The two main areas of focus for Branch are home insurance and auto insurance. Our focus is on homeowners insurance. There are numerous types of policies that you can get through Branch. This includes the following:
- Dwelling coverage
- Guest medical protection
- Liability coverage
- Other structures coverage
- Personal property protection
- Reimbursed living expenses
- Assisted living coverage
- Business property protection
- Personal injury liability coverage
As you can see, pretty much all of your possible homeowner insurance needs are going to be taken care of thanks to Branch.
Application Process & Customer Journey
The application process for home insurance with Branch is extremely easy and straightforward. You just need to visit the Branch website and you’ll see the quote process. Normally, Branch just needs two pieces of information to give you an initial quote. This is just your full name and address.
Branch will then use a secure database to accept this information to calculate a price for a homeowners insurance policy. You are then able to review the quote. If you like what you can see, you can proceed to check out and secure this new policy. It really is as simple as it sounds.
| Online application | Yes |
| Credit card payments | Yes |
| Policy Delivery Method | Online |
| Online Policy Management | Yes |
How to file a homeowners insurance claim with Branch
Filing a claim is extremely easy when you are using Branch. There is a mobile app that allows you to manage everything in one place. This includes being able to quickly file a claim, no matter where you might be.
The process of filing the claim usually entails uploading some pictures of the issue, as well as invoices. There will usually be a space for you to describe some details of the issue.
As soon as you file a claim, the Branch claims team will then commence the review process and quickly get in touch with you. Customers will get regular updates and the team is to process all claims as quickly as possible.
Privacy & Security
While Branch has only been in operation a few years, it has already started to build a good reputation. It has numerous respectable partners, such as Rocket Mortgage, ADT, and Homepoint.
There is a secure database used when collecting quotes information from people. Therefore, you know that Branch is going to treat your data with the utmost care. Branch has proven itself again and again as being a trustworthy option.
Customer Support
Branch has been going above and beyond to make sure that all of its customers are well looked after with their insurance needs. This is why the company has a 4.8/5 stars rating on Trustpilot. It also has an A+ Better Business Bureau.
If you are looking for a helping hand, there is a help center on the Branch website that can answer many questions that you might have. For those people who want to contact the support team, there is phone support on call 24/7. This really is ideal, as it doesn’t matter what time of the day or week it might be, you can get a resolution for your issue.
Other contact options include live chat and email. All of the agents that you will deal with are based locally. Finally, Branch has a presence on a few different social media platforms, including Instagram, Facebook, and LinkedIn.
Final Thoughts
Branch really cares about its customers and this is why it has become so popular in just a few short years. There is a great range of different types of home insurance you can get, with the process of getting a quote and taking out cover being a breeze.
Filing a claim also couldn’t be easier. With a burgeoning reputation and competitive rates, Branch is certainly worth considering for your home insurance needs.
Address
629 N High St, Fl 4, Columbus, OH 43215
Disclaimer: “Property and casualty insurance provided by Lemonade Insurance Company, 5 Crosby St., 3rd floor, New York, NY 10013. Life Insurance provided by North American Company for Life and Health Insurance®, Administrative Office, One Sammons Plaza, Sioux Falls, SD 57193.”