branch insurance reviews
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Branch Insurance is a young company offering good home and automobile insurance rates. Although it offers coverage for both homesharing and ridesharing, its range of coverage options is not particularly broad.
The branch advertises itself as a “community” organization, offering discounts for customers who refer friends to get quotes and policies. Branch offers policies in 10 states, although another insurer, General Security National, underwrites policies in five of them.
Car insurance quotes from branches
According to ValuePenguin’s analysis of quotes from some of the nation’s largest insurers, Branch’s auto insurance rates are cheaper than the national average. In that regard, Branch offers a competitive price, but is not the cheapest option.
Using a sample driver, we found that a full-coverage policy in Ohio would cost $568 a year. This is cheaper than Geico and Allstate, but more expensive than State Farm and Progressive.
Insurance products offered by other branches
The Branch offers more than just auto and home insurance, in some cases through partner companies. This includes:
- Umbrella insurance: Increases the limit of your home and/or auto liability insurance
- Renters insurance
- ATV insurance
- Boat insurance
- Condo insurance
Reviews and ratings of branch insurance customer service
The company started writing premiums only in 2020, so it does not have much experience to review in terms of customer service, but that also means there are no negative reviews. Branch, however, offers policies from General Security National Insurance Company, which has a solid reputation.
According to the National Association of Insurance Commissioners (NAIC), Branch had no complaints in 2020. There were also no complaints from General Security National in the previous three years.
Branch has an “A” rating from Demotech, which is considered “exceptional” when it comes to financial stability. In the event of a major disaster, this will affect the company’s ability to pay out claims.
Branch has also received no complaints from the Better Business Bureau, although a few reviews mention claims issues.
Where can I get Branch insurance?
There are 10 states where Branch offers insurance:
- General Security National underwrites policies in the other five states since Arizona, Indiana, Maryland, Ohio, and Oklahoma are the only states where the company can write policies.A reciprocal insurance company is owned and managed by policyholders, but technically owned by those policyholders. The company’s structure is similar to some other major insurers, like USAA, Farmers and AAA.
- Help your neighbors who are uninsured
- Financial stability
- Compare your options in minutes
- Available only in ten states
- Not an insurance company, but an agency
Our thoughts on Branch auto insurance
Through word-of-mouth advertising, Branch Auto Insurance wants to use your personal network to lower insurance rates. To combat escalating insurance fraud costs, the program uses communities that will vouch for each other.
If you’re interested in joining a community-based insurance agency, Branch does not yet offer some of the standard discounts that larger companies do, such as accident forgiveness.
Branch might be a good option if you are looking for a local company that uses premiums responsibly. Because of this, many customers report lower rates than they paid with major insurance brands.
branch insurance – TOP 10 REVIEWS
“So quick and easy to add to my current policy. So pleased”CHERYLYNN BOYD
“Ease and price, amazing!!”RAYMOND BASHAW
“I had a great experience with Gabrielle, she walked me through the details and we talked about the coverage. I have a great homeowners and two auto polices and an umbrella policy and can’t feel any safer.”Mark Dikun
“I was nervous at first because it was my first claim but Evan helped me through everything and made sure I understood something if I didn’t know what it was. That was the best experience I had from an insurance company!”LaQuan Carpenter
“Easy to apply, accept & pay. Everything worked in my favor. Agent was 100% on top of everything. I’m glad I returned the call. Thank you!! 🙏🏽🙏🏽🙏🏽”MJ Wright
“The representative I had was very helpful and friendly.”LAWANDA THOMPSON
“Easy to use program for signing up. Excellent rates. Lower than Progressive which was unbelievable. Two Thumbs Up!!”LISA MURRAY
“I called to get a quote and laura took time to help me with a policy that was what I needed and in my price range.”Jody Bence
“they didnt give me any run arounds they did AWESOME THANK U”DEANNA GRAYMOUNTAIN
“I called into Branch Insurance requiring about auto insurance. I spoke to Ryan Pace. He was so courteous and pleasant. He answered all the questions I asked and was very patient with me. I enjoyed doing business with Ryan.”Joylyn Williams