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Branch Reviews

7.2

bestfor-icon Affordable Insurance Policy Quickly

angelawatson
Written by Angela Mae

About Branch | Read More

7

LS Score

8

Credibility

8

Support

6

Accessibility

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Opening Hours Opening Hours drop-down-btn
Mon - Sat 8:00 AM - 6:30 PM EST
Sunday Closed
Contact Information Contact Information drop-down-btn
  • support@ourbranch.com
  • (833) 427-2624
  • Headquarters: 20 E Broad St Ste. 1200, Columbus, OH 43215
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Branch Home Insurance Review

Branch offers home insurance plans that can easily be bundled with other types of insurance, such as auto or renter’s insurance. The home insurance policy provides coverage in many areas, including dwelling, personal property and liability, and medical expenses.

The application process is straightforward but involved. This allows the company to offer you a customized policy instead of a general quote or estimate. Branch also provides certain discounts during the application process.

Under the banner Branch Insurance Exchange, Branch is licensed to provide insurance policies in many states. If you don’t live in one of these states but still want insurance, you can do so through either General Security National Insurance Company or Everspan Insurance Company.

Branch Home Insurance Highlight

Depends on property type

Contract Length

Required

Home Inspection

A+

BBB Rating

Pros & Cons

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  • con-icon More exact monthly rate for homeowners’ insurance after completing the online application (not just an estimate)
  • con-icon Good customer support and fast response times
  • con-icon Option to bundle insurance policies and receive discounts
  • con-icon Convenient mobile app for managing insurance plans
  • con-icon Details about the insurance terms are hard to find until after filling out an application
  • con-icon Very involved and lengthy application process
  • con-icon Home insurance policies are limited in terms of dwelling type
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Optional Add-Ons

  • Term Life Insurance
  • Toys/Investment Property/Condo
  • Jewelry

Exclusions

Policy contracts are considered “Named Peril,” meaning only disasters named in the policy are covered. This depends on the state. Certain common exclusions include floods and fire.

Associated Fees

Branch’s home insurance plans come with no service fees or penalties for the home type.

How to Buy a Home Insurance Policy Through Branch

The application process is fully online, though there is a customer support team available to help if you have any questions or concerns. To get a policy, complete the following steps:

  • Provide your first and last name, as well as the property address
  • Choose the policy you need – ex. Home only or home & auto
  • Provide your birthdate and current address
  • Indicate whether you also have auto insurance (and if you’ve had it within the past 31 days)
  • Provide home details (ex. number of residents, roof shape, fireplace count, construction type, basement type, purchase date, home type)
  • Input personal details (ex. education level and marital status)
  • Provide information about a co-applicant (if any)
  • Indicate any add-ons you’d like, as well as the covered amounts
  • Review the information and correct any errors
  • Specify the start date and payment method
  • Add any additional information (ex. mortgage lender details and billing information)
  • Receive the policy amount and proceed to payment

Coverage begins on the specified start date.

Screen 1

Provide your first and last name

Screen 2

Choose the policy you need - ex. Home only or home & auto

Screen 3

Provide your property address

Screen 4

Provide your birthdate and current address

Screen 5

Indicate whether you also have auto insurance (and if you’ve had it within the past 31 days)

Screen 7

Input personal details (ex. education level and marital status)

Screen 8

Provide information about a co-applicant (if any)

Screen 9

Indicate any add-ons you’d like, as well as the covered amounts

Screen 10

Indicate any add-ons you’d like, as well as the covered amounts

Screen 11

Indicate any add-ons you’d like, as well as the covered amounts

Screen 12

Review the information and correct any errors

Screen 13

Review the information and correct any errors

Screen 14

Specify the start date and payment method

Screen 15

Add any additional information (ex. mortgage lender details and billing information)

Screen 16

Receive the policy amount and proceed to payment

  • Online application Yes
  • Credit card payments Yes. You can also pay as a bank withdrawal or pay with escrow/mortgage
  • Policy Delivery Method Online or by mail
  • Online Policy Management Yes – via the app

How to Buy a Home Insurance Policy Through Branch

To file an insurance claim, start by clicking “Claims” at the top of the page. From there, proceed to “File a Claim.” Follow the prompts and click submit at the bottom of the page.

Screen 1

Start by clicking “Claims” at the top of the page

Screen 2

choose the type of claim you want to submit

Screen 3

Click “Begin" to start

Screen 4

Enter your Policy number

Screen 5

Enter your email

Screen 6

Enter your phone number

Screen 7

Enter your First and last name

Screen 8

Enter the approximate Date of the loss or damage

Screen 9

Enter the approximate time of the loss or damage

Screen 10

Address where the loss occurred

Screen 11

Loss type (choose the best option - ex. Fire or water damage or theft)

Screen 11-1

Loss type (choose the best option - ex. Fire or water damage or theft)

Screen 12

Details about what happened (as many as possible)

Screen 13

Whether the home is currently uninhabitable

Screen 14

Whether you’d like to upload pictures

Screen 15

Any additional information you’d like to include

Information you’ll need includes:

  • Policy number
  • First and last name
  • Contact information (phone number and email address)
  • Date and approximate time of the loss or damage
  • Address where the loss occurred
  • Loss type (choose the best option – ex. Fire or water damage or theft)
  • Details about what happened (as many as possible)
  • Whether the home is currently uninhabitable
  • Whether you’d like to upload pictures
  • Any additional information you’d like to include

State Availability

Available - Alabama, Arizona, Arkansas, Colorado, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Maryland, Michigan, Missouri, Montana, Nebraska, New Hampshire, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, West Virginia, Wisconsin, Wyoming

Not Available - Alaska, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Louisiana, Massachusetts, Minnesota, Mississippi, Nevada, New Jersey, New York, North Carolina, Rhode Island, Washington

angelawatson
Written by Angela Mae

Angela Mae is a personal finance writer specializing in loans, debt management, investing, retirement planning, and financial literacy. She comes from a journalistic background and pulls from hands-on experience and deep-dive research to breathe life into her stories. Her goal is to help others achieve financial stability and independence. When not writing, she can be found traveling, honing her yoga skills, hiking, or exploring new means of healthy, sustainable living.

faq-icon

FAQ’s

What makes Branch Insurance Exchange different?

Unlike many insurance companies, Branch doesn’t have to answer to shareholders. They’re managed by insurance professionals with hands-on experience in the industry. They’re also owned by their members and have a reciprocal insurance exchange. It is because of this that Branch can offer more affordable insurance policies.

What property types does Branch insurance cover?

Currently, Branch insurance policies are available for both single-family homes and apartments.

Can Branch pull up my current insurance policy?

Yes. Branch has a tool called Coverage Verifier, which lets them review your current auto insurance policy information. They store this information for up to 60 days before removing it.

Customer Support

Branch has a chat messaging system – “Chat with us” – located at the top of their main page. This system is very responsive, only taking about two minutes to get a response from a real person.

They also have a phone number for those who need to speak with a representative. As with the live chat, this option is convenient and has a fast response time.

On Trustpilot, Branch has 4.8 out of 5 stars and 2,126 customer reviews. The majority of reviews indicate a great experience with customer service.

Privacy & Security

Like many online insurance agencies, Branch does collect certain user data. This includes basic contact information and credit details. It may also include information about your home or vehicle, as well as your driving habits. Branch uses these data to improve customer experience and the products they offer. They may also share information with similar vendors, customer service representatives, or data security specialists.
Besides this, Branch adheres to standard privacy and security practices common in the industry. This includes an encrypted online application and a secure online connection when using their website.

In Conclusion

Branch is a licensed insurance company focused on making modern insurance more communal and affordable. Unlike many agencies, Branch tries to provide an exact policy instead of a generalized quote to give people a better idea of their options. The company has a good customer support team that’s both friendly and knowledgeable. They’re still relatively new to the industry though, and as such have somewhat limited options compared to their competitors.

Brand Disclaimer

Liability of Branch

THE SITE, THE SITE CONTENT, AND THE PRODUCTS AND SERVICES PROVIDED ON OR AVAILABLE THROUGH THE SITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITH ALL FAULTS. NEITHER BRANCH NOR ANY PERSON ASSOCIATED WITH BRANCH MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE QUALITY, ACCURACY, OR AVAILABILITY OF THE SITE. WITHOUT LIMITING THE FOREGOING, NEITHER BRANCH NOR ANYONE ASSOCIATED WITH BRANCH WARRANTS OR REPRESENTS THAT THE SITE, THE SITE CONTENT, OR THE PRODUCTS AND SERVICES PROVIDED ON OR THROUGH THE SITE WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT THE SITE OR THE SERVER OR SERVICE THAT MAKES THE SITE AVAILABLE WILL BE FREE OF VIREUSES OR OTHER HARMFUL COMPONENTS OR THAT THE SITE WILL OTHERWISE MEET YOUR NEEDS OR EXEPECTATIONS.

TO THE MAXIMUM EXTENT ALLOWED BY APPLICABLE LAW, BRANCH SPECIFICALLY DISCLAIMS ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NONINFRINGEMENT. ALL INFORMATION OR CONTENT ACCESSED THROUGH THE SITE IS ACCESSED AT THE USER’S OWN DISCRETION AND RISK.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES. AS A RESULT, SOME OF THE EXCLUSIONS ABOVE MAY NOT APPLY TO YOU.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL BRANCH BE LIABLE FOR (I) ANY INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY, PUNITIVE OR CONSEQUENTIAL DAMAGES (INCLUDING WITHOUT LIMITATION, DAMAGES FOR LOSS OF BUSINESS PROFITS, LOSS OF BUSINESS REPUTATION, OR INTERRUPTION OR LOSS OF BUSINESS), (II) INACCURACIES, ERRORS OR OMISSIONS IN THE INFORMATION, PRODUCTS OR SERVICES PROVIDED, (III) RELIANCE BY YOU ON THE COMPLETENESS OR ACCURACY OF INFORMATION, PRODUCTS OR SERVICES, OR (IV) ANY DAMAGES, COSTS OR LOSSES ARISING FROM YOUR FAILURE TO KEEP YOUR LOGIN AND/OR PASSWORD SECURE.

To the maximum extent permitted by law, Branch’s entire liability to you under these Terms and Conditions shall be to refund to you fees paid by you to Branch hereunder for the access to and use of the Site in the twelve (12) month period prior to the date of the claim, and in no event will Branch’s liability for any reason exceed such fees.

Branch (and its officers, directors, employees and agents) shall not be liable for any damages whatsoever arising from your use of the Site or the Content, and you shall defend, indemnify and hold harmless Branch (and Branch’s officers, directors, employees and agents) from and against any and all costs, damages or losses by any of them (including, without limitation, reasonable attorneys’ fees) as a result of a claim by any person other you arising from your use of the Site or the Content. Some jurisdictions do not allow the exclusion of liability for certain damages. As a result, some of the exclusions above may not apply to you.