Branch Home Insurance

Branch Home Insurance Review

Branch Home Insurance is an insurance carrier based in Columbus, OH. The company was founded in 2018 and offers home insurance in 9 states in the USA.

Branch Home Insurance FAQ

What is the financial strength rating of Branch Home Insurance?

The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies. SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.

Branch Home Insurance scores an A+ financial strength rating, SuperMoney's highest available rating.

What types of coverage does Branch Home Insurance offer?

Home insurance includes a wide range of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. Branch Home Insurance offers the following types of home insurance coverage:

Dwelling Coverage:

Also called "dwelling insurance." This is the part of your homeowner's insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home if it's damaged by a covered hazard.

Guest Medical Protection:

This helps visitors who are injured on your property. It can help cover the necessary medical expenses in an accident, regardless of who's at fault. Medical expenses covered usually include costs like ambulance rides, X-rays, surgical procedures, and hospital stays. Note that guest medical coverage doesn't apply to anyone who lives in the home or is listed on your policy.

Liability Coverage:

The personal liability coverage within your homeowner's policy offers coverage for bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.

Other Structures Coverage:

This covers structures on the residence premises separated from the dwelling by a clear space or connected to the dwelling by a fence, utility line, or related connection. Examples include a detached garage, tool shed, driveway, swimming pool, gazebo, or fence.

Personal Property Protection:

This insurance protects the items in your home, like your furniture. If they're damaged or lost, personal property coverage could help you cover the cost of replacing them.

Reimbursed Living Expenses:

This coverage reimburses the insured for the cost of maintaining a comparable standard of living following a covered loss that exceeds the insured's normal expenses. For example, it could include an insured's motel bill while fire damage to the home is being repaired or replaced or until the insured moves to a permanent residence.

Branch Home Insurance customers can also add the following riders or endorsements to their home insurance policies:

Assisted Living Coverage:

As well as covering the usual personal property like furniture or jewelry, this rider can also cover hearing aids, false teeth, contact lenses, eyeglasses, medical alert devices, walkers or canes, and wheelchairs. You may also include personal liability coverage for residents and visitors with a choice of limits.

Business Property Protection:

This coverage protects business assets in the home. Adding this coverage may help cover inventory, such as cosmetics or kitchen supplies, temporarily stored in your home as you're preparing to sell it or deliver it to customers.

Personal Injury Liability Coverage:

This protects you against bodily injury and property damage for which you or the residents of your home are responsible.

What additional benefits does Branch Home Insurance offer?

Branch Home Insurance offers the following benefits to its customers:

24/7 Phone Availability:

Customer service is staffed around the clock.

Local Agents:

Perfect for people who prefer the personal touch of a local insurance agent.

Digital Claims Reporting:

Never fax or mail a document again.