Branch Renters Insurance Review 2024: Low-Cost Bundled Insurance

Charles Baisden

Branch recently entered the insurance market, but the company is determined to meet its clients’ needs, including affordability and inclusivity.  

Overall rating


Summary: Branch bundles auto and renters insurance, so your overall rate is cheaper.

Branch Renters Insurance

toggle renters insurance logo


Coverage Up To





Policy Application


Fees & Coverage


Claim Support


Customer Service


Safe & Secure


  • Strong financial backing
  • Wide range of coverage options
  • Charitable donations 


  • Limited to only a few States
  • No standalone renter’s insurance is available

Best For

  • Individuals looking for valuable items coverage
  • Easy online application process
  • Bundled insurance


HQ875 N High St 3rd floor, Columbus, OH 43215
Rates FromVaries per state
Annual Coverage$300,000
DeductiblesMin $500
Full Replacement ValueAvailable
State RestrictionsOnly available in AZ, IL, IN, MO, NE, OH, OK, UT, VA, WI

In depth Review on Branch Renters Insurance

Branch is an insurance company with a completely online coverage process. You can begin your request for insurance by completing an online application. Additionally, the submission of a claim can also be completed online, if required. By providing access to your account online, you can manage your insurance policy without reaching out to an agent. Branch right now offers renter’s insurance in a bundled plan with their auto insurance policy. Your location mainly determines your policy details and cost, but other details like your home security and the property you wish to cover also factor into your overall insurance cost. Branch also has a charitable organization attached to their business, which helps Americans afford insurance coverage.

Branch Renters Insurance is best for

  • Individuals seeking coverage on valuable items: offers coverage on your personal items valued over $500.
  • An online application process: Branch has a convenient online application process that makes it simple for you to apply and manage your insurance policy completely online.
  • Bundled insurance: offers bundled renter’s insurance with their auto insurance coverage.

Branch Renters Insurance benefits

  • Strong financial backing: the insurer has a strong financial backing, with trusted ability to pay out claims.
  • Wide range of coverage options: there is coverage available for personal property, liability, and additional living expenses. You can also add-on specific coverage features to your policy to protect your more expensive personal items. 
  • Charitable donations: Branch started SafetyNest, which helps impoverished Americans have access to affordable insurance.

Branch Renters Insurance drawbacks

  • Very limited availability: currently available in nine states.
  • No standalone renter’s insurance available: Through Branch, you are not able to get standalone renter’s insurance. You can access it via a bundle with auto insurance coverage.

Factors contributing to the overall rating

Policy application


Through Branch, you can apply for your insurance coverage entirely online. A quote tool appears on their website that asks you questions about your location, living situation, and details about your rental property. From here, Branch will give you plans options for your renter’s insurance coverage. Throughout the process, you are not required to speak with an agent to get your quote.

Fees and coverage


Branch insurance policies have coverage for personal property, which covers your property in the event of a burglary, some weather-related incidents, and more. They also cover personal liability, which protects you from liability if someone is injured at your rental unit, and reimbursements for living expenses should you be displaced from your rental location due to damage. You can also add on valuable items coverage, which will provide coverage for your more expensive personal property.

To get renter’s insurance coverage under Branch, you need to bundle it with their auto insurance policies. A standalone renter’s insurance policy is not available. However, Branch does offer a discount for bundles, and you can expect to pay less on average for your renter’s insurance coverage. 

Branch also has discounts available for some measures you may take at your rental, including home security.

Claim support


To file a claim at Branch, you can complete this process online within minutes. Once Branch receives your request, they will work on filling it immediately. Branch also takes the initiative of keeping you up to date with your claim and the claim status. Branch aims to settle claims as quickly as possible and will payout as soon as the claim has been approved.

Customer service


Although Branch has only been around for the past year, it has not garnered any negative reviews regarding its customer service. You can reach Branch customer service over the phone or via email, and they will reach out to you as soon as possible after you submit an inquiry.

Safe and secure


Branch is financially stable and reputable when it comes to paying out claims. Right now, they have an A rating from Demotech, with an exceptional ability to pay out claims after they’ve been submitted. They have an A+ rating from A.M. Best.

Is Branch renter’s insurance right for you?

Branch renter’s insurance is best for those looking to bundle their auto insurance with renter’s insurance. Since you cannot access renter’s insurance without auto coverage, you will want to have a need for auto insurance before moving forward with Branch.

Branch’s renter’s insurance is holistic and covers many of the essentials expected from renter’s insurance providers. They are a safe and trustworthy company with reputable financial backing and the ability to pay out claims in full, once approved.