Branch Home Insurance Review 2023: Affordable Personalized Plans

Charles Baisden

Branch, powered by an A+ Financial Strength Rating, strives to provide its customers with a hassle-free experience and helps them save more with customer discounts. The firm covers your home insurance needs at minimum costs and promises to be there for you in times of uncertainty.

Overall rating


Summary: Branch offers insurance options for single-family homes as well as apartments. The company makes it a point to eliminate any indirect overhead costs and offer coverage at better prices than the market players.

Branch Renters Insurance

toggle renters insurance logo


Coverage Up To





Policy Application


Fees & Coverage


Claim Support


Customer Service


Safe & Secure


  • File your claims easily
  • Access your profile on the go
  • Get discounts
  • Easy-to-switch from another provider


  • Covers apartments and single-family homes only
  • Pets not covered

Best For

  • Cost-effective monthly premiums
  • Individuals looking for customized solutions


HQ20 E Broad St Ste. 1200, Columbus, OH 43215
Rates FromVaries per state
Annual CoverageUp To $1,500,000 (Also varies by coverage type)
Full Replacement ValueNo
State RestrictionsAvailable in AL, AZ, CO, IL, IN, KS, MD, MI, MO, NE, NJ, NY, OH, OK, PA, TX, UT, VA, WI

In depth review on Branch Home Insurance

Branch home insurance offers protection to your partner, children, parents, or anyone who lives in the house at affordable prices. Further, they provide an added option of incremental coverage in case the costs of revamping your home go beyond the limits set in the coverage. Some of the coverage options provided by the company include liability protection, guest medical coverage, homeshare coverage, and roof surfaces extended coverage.

Branch is best for

  • Cost-effective monthly premiums: If you are looking to save on home insurance costs without losing your peace of mind, Branch can be your go-to option.
  • Individuals looking for customized solution: Branch allows you to choose your own policy limits, and deductibles and designs a customized insurance package based on your preferences.

Branch benefits 

  • File your claims easily: Branch lets you file your claims instantly online and even informs you regarding what effect would filing a claim have on your monthly premiums.
  • Access your profile on the go: The Branch app makes it easier for you to make claims or have access to your profile from anywhere and at any time.
  • Get discounts: The company seeks ways to woo its customers with discounts. For example, you may be eligible to receive discounts if you have a home security model installed.
  • Easy-to-switch from another provider: Branch’s ‘Stress Free Switch’ program makes it easier for you to switch from your previous service provider. The company takes ownership of tackling your policies with previous insurance companies and lets you sit back and relax.

Branch drawbacks 

  • Covers single-family homes and apartments only: The company provides limited insurance options covering single-family homes and apartments.
  • Pets are not covered: This might be a little disappointing for pet owners as Branch doesn’t cover your pets in the home insurance cover.

Policy application


You can consider applying for Branch home insurance by visiting their website. You can apply for home insurance online by simply entering basic information like your name and address, and they will contact you with the right price. In case, the company requires more information to understand your situation, they may ask for more data.

Fees and coverage


The policies offered by Branch cover dwelling, living expenses if you have to leave your home due to fire or other damage, personal liability, and guest medical costs. Some of the features like guest medical expenses and living expenses in case of disaster are not provided by many other companies. However, Branch seems to be doing exceptionally well in this case.

Branch recommends you on choosing the right dwelling policy limit and provides its customers with the best deductible options. The deductible can be equivalent to 5% of your dwelling policy limits.

You’ll have to visit their website to receive a quote.

Claim support


Branch not only allows you to file claims without any fuss but also aims to quickly process your claims and compensate you at the earliest. Since both the website and mobile app are user-friendly, you can file your claims anytime.

Customer service


If customers have any general or specific queries, they can easily contact the customer support by sending an email or making a call. The staff offers professional advice and makes sure to go the extra mile to resolve issues.

Safe and secure


It’s been around four years since the company was founded, but the positive reviews by customers has helped the company gain customers’ trust and confidence within a short period. The company has received an A+ rating by the Better Business Bureau, which indeed makes this service provider reliable, safe, and secured. Including 4.8/5 stars from TrustPilot.

Is Branch right for you?

You have invested your hard-earned money in building your home. And to protect it from extreme circumstances, you need to buy a home insurance policy that covers both your basic and special needs. Branch takes care of your home’s safety by offering a diverse range of coverage options at reasonable prices. The company gives you several reasons to save with paperless discount, connected home discount, new home discount, etc. The company proves to be a good option for buying your next home insurance policy.