INSURANCE CARRIER
Branch Insurance
Branch is a technology-forward insurer.
Personal Lines
- File a claim 833-427-2624 · 24/7 online and phone
- Online Account & claims portal
- After hoursFile via app or call 1-833-427-2624 anytime.
A note on availability: We are not currently placing new business with this carrier in Alabama. A free coverage review can confirm which carriers we can place coverage with for your situation.
Coverage Focus
What this carrier writes
Overview
About This Carrier
Branch is a technology-forward insurer. They write bundled home and auto coverage with a focus on competitive pricing for standard risks. They are newer to the market but growing.
Strengths
What This Carrier Does Well
Fast digital quote process; bundled home and auto in as little as 30 seconds
Reciprocal exchange structure returns unused premium to members through Subscriber Savings Account
Limitations to Know
Where They Fall Short
Branch is a newer company than the long-established names some clients prefer.
Customer reviews indicate rate increases at renewal are a common complaint; this is worth monitoring at every renewal cycle
Newer carrier with less established claims track record
Right Fit
Who They Are Best For
Best Fit For
Tech-forward homeowners wanting bundled home and auto with simple digital experience, younger families, first-time homebuyers
Not a Good Fit For
Owners of older homes, non-standard risks, or anyone with recent claims. Branch's underwriting appetite is narrow and they can non-renew quickly when claims activity exceeds expectations.
Appetite & Coverage
What They Write
- Line of Business
- Personal Lines
- Coverage Types
- Homeowners, auto, renters, umbrella, condo (select states)
- Carrier's Licensed States
- Available in 36+ US states
- Personal Lines States
- 36+ US states
Pricing & Claims
What to Expect
Best Pricing For
Branch competes on bundled home and auto pricing for residents with clean records and newer homes. Pricing is typically most competitive when both policies are written together on a property built after 2000.
Pricing Context
Often competitive at initial quote for bundled home and auto. Some clients have reported significant rate increases at first renewal; we monitor this at every renewal and rewrite if the market has become uncompetitive. A coverage review can confirm whether the price still fits your situation.
Claims Experience
Digital-first claims process with AI-assisted correspondence. Claims experience for straightforward losses is competitive; complex losses receive adequate handling but less concierge-level service than traditional carriers. Customer reviews show mixed claims experiences, roughly comparable to other digital-first carriers. Admitted Status: Admitted carrier. Licensed and regulated by the state insurance department in each state where it writes. Policies are backed by applicable state guaranty fund protections up to applicable limits. Olive Cover, the brand of Olive Insurance Services, LLC, is your independent insurance agent. We help you file your claim and advocate on your behalf. Coverage decisions on any claim are made by your insurance carrier under the terms of your policy.
Admitted Status: Admitted carrier. Licensed and regulated by the state insurance department in each state where it writes. Policies are backed by applicable state guaranty fund protections up to applicable limits.
Olive Cover, the brand of Olive Insurance Services, LLC, is your independent insurance agent. We help you file your claim and advocate on your behalf. Coverage decisions on any claim are made by your insurance carrier under the terms of your policy.
Quick Facts