Will my Branch premium go up significantly at renewal?

All FAQs

Quick answer: Yes, this is a pattern we have seen with Branch and other digital-first carriers.

Maybe, but a large jump is not a given, and you have options if it happens. A renewal increase depends on your claims history, changes to your home or car, and broad market trends in Georgia, not on the Branch name by itself. Many renewals move only a little, while others rise more when costs across the whole market are climbing.

Several things push a premium up at renewal even when you did nothing wrong. The cost to rebuild homes and repair vehicles in Georgia has gone up, so insurers raise rates to keep pace. Georgia also sees frequent wind and hail storms, which adds pressure across the state. Your own record matters too: a recent claim, a new driver in the house, or a higher dwelling rebuild value can all nudge the price higher.

For example, say your Branch homeowners premium was $1,800 last year. A statewide rate adjustment of 8 percent plus a higher rebuild cost estimate could bring it to roughly $1,980 at renewal, about $180 more, even with no claims. If you had a hail claim during the year, the increase could be larger.

You have real levers on a renewal increase:

  • Review your deductible; raising it can lower the premium.
  • Ask about bundling home and auto insurance for a multi-policy discount.
  • Confirm your coverage amounts still match what you actually need.

You are never locked in. If a Branch renewal climbs more than you like, we can compare it against other carriers available through Olive Cover and find a better fit. Start with a free coverage review at /coverage-review/ and we will check whether your renewal is fair before you pay it.