Branch Insurance Review: Pros, Cons, and How It Compares to Other Providers

Branch Insurance is a relatively new company that offers home and auto insurance in the US. It claims to provide affordable and flexible coverage options for its customers, as well as a sense of community and social responsibility. But how does Branch Insurance work, and what are its advantages and disadvantages? In this article, we will have Branch Insurance Review of services and processes, and compare it to other insurance providers.

Branch Insurance


Branch Insurance was founded in 2018 by Steve Lekas and Joe Emison, two veterans of the insurance industry. Their vision was to create a company that would simplify the insurance process, lower the costs for customers, and foster a community of mutual support among policyholders.

The Branch Insurance operates as both a broker and an insurer, meaning that it can sell policies from other providers, as well as its own.

Branch Insurance’s own policies are underwritten by General Security National Insurance Company, a subsidiary of SCOR, a global reinsurance company.

The Branch Insurance offers home and auto insurance, as well as bundling discounts for customers who buy both. It also offers optional coverages for homeshare and rideshare, which are not commonly available from other insurers.

Homeshare coverage protects homeowners who rent out their properties through platforms like Airbnb or VRBO, while rideshare coverage extends the protection for drivers who work for Uber or Lyft.

Branch Insurance is currently available in 25 states, and plans to expand to more in the future. Customers can get a quote and buy a policy online, through the Branch Insurance website or app, or by phone.

The Branch Insurance also partners with other companies, such as Rocket Mortgage and ADT, to offer insurance products to their customers.

How Does the company Work?

One of the main features of Branch Insurance is its easy and fast quoting process. Customers can get a quote in seconds, by entering their name and address, without having to provide other personal or vehicle information.

Branch Insurance uses data from public and private sources to generate a personalized quote, based on the customer’s risk profile and coverage needs.

Another feature of Branch Insurance is its community-oriented approach. Branch Insurance encourages customers to invite their friends and family to get a quote, and rewards them with discounts and cash bonuses.

Branch Insurance also donates a portion of its revenue to charitable causes, and allows customers to choose which causes they want to support.

The Branch Insurance also claims to offer lower rates than the average insurance company, by using technology and data to reduce costs and fraud.

Branch Insurance also leverages the power of pooling and diversification, by spreading the risk among a large number of customers, and offering different types of insurance products.

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Pros and Cons

Branch Insurance has some advantages and disadvantages, depending on the customer’s preferences and expectations. Here are some of the pros and cons of Branch Insurance:


  • Easy and fast quoting process, without having to provide much information
  • Affordable and flexible coverage options, including homeshare and rideshare
  • Bundling discounts for home and auto insurance
  • Community and social impact incentives, such as discounts, bonuses, and donations
  • Online and mobile access, as well as phone support
  • Partnerships with other companies, such as Rocket Mortgage and ADT


  • Limited availability, only in 25 states
  • Limited coverage options, compared to other insurers
  • Potential rate increases, due to inflation and other factors
  • Lack of a proven track record, as a young company
  • Customer service reviews and ratings, which are mixed and vary by source

How Does it Compare to Other Insurance Providers?

Branch Insurance is not the only company that offers home and auto insurance in the US. There are many other providers, such as State Farm, Geico, Allstate, Progressive, and others, that have different features, prices, and reputations. How does Branch Insurance compare to them?

According to ValuePenguin, a website that provides insurance information and comparison, Branch Insurance’s auto insurance rates are slightly cheaper than average, but not the cheapest option.

For example, a sample driver would pay $568 a year for a full-coverage policy for a 2008 car in Ohio, which is cheaper than Geico and Allstate, but more expensive than State Farm and Progressive.

According to Trustpilot, a website that collects customer reviews and ratings, Branch Insurance has an excellent rating of 4.7 out of 5, based on 2,683 reviews.

Most customers praise Branch Insurance for its service, claims process, and adjusters, but some customers complain about its premium increases, website issues, and cancellation difficulties.

According to Business Insider, a website that provides business and financial news and analysis, Branch Insurance review gives a good option for homeowners who want affordable and flexible insurance options, but it may not be the best choice for those who want more coverage options, such as flood, earthquake, or umbrella insurance.

Branch Insurance Review Conclusion

Branch Insurance is a new company that offers home and auto insurance in the US. It has some features that make it stand out from other providers, such as its easy and fast quoting process, its community and social impact incentives, and its homeshare and rideshare coverages.

However, it also has some limitations, such as its limited availability, coverage options, and track record. Customers who are interested in Branch Insurance should compare it to other insurance providers, and consider their own needs and preferences, before making a decision.

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