At Better Choice Insurance Group, we represent 22+ insurance carriers across Illinois, Minnesota, Texas, and Indiana. Every carrier in our panel earned their spot for a reason — but some carriers stand out in ways that genuinely make our jobs easier and our clients happier. Branch Insurance is one of those carriers.
Since adding Branch to our panel, we have seen it quickly become one of our most-quoted carriers. The combination of fast technology, competitive bundled pricing, financial strength, and a claims experience that actually feels human has made Branch a favorite among both our team and our clients. Here is why.
1. Instant Bundling That Actually Works
If you have ever tried to get a bundled home and auto insurance quote, you know the process can be painful. Most carriers require you to fill out one application for home and a completely separate application for auto. Then you wait for each to come back, compare them, and hope the bundle discount makes the math work. It can take days.
Branch built their entire platform around bundling from day one. When we quote a client through Branch, we enter a name and address, and within seconds we have a combined home and auto quote ready to review. Not a ballpark estimate — an actual bindable quote with real coverage details and a real premium. It is the fastest quoting experience of any carrier in our panel, and it means our clients get answers faster.
The bundle discount itself is also genuinely competitive. Branch's technology allows them to price the bundle as a single product rather than two separate policies stapled together, and that structural advantage shows up in the premium. We regularly see Branch's bundled price come in 10 to 20 percent below what clients would pay for separate home and auto policies from other carriers.
2. Pricing That Wins More Often Than You Would Expect
When Branch first came on the market, we were skeptical. They were a startup. They did not have decades of loss data. How competitive could they really be? The answer surprised us.
Branch uses a community-based reciprocal exchange model, which means policyholders share risk with one another rather than paying premiums into a corporate profit pool. This structure reduces overhead and allows Branch to return savings to policyholders. In practice, that means their rates are consistently among the most competitive we see — particularly for homeowners with clean claims histories who are bundling home and auto.
Here is a real example. A family in Schaumburg, Illinois was paying $3,200 per year for home and auto with a well-known national carrier. They had no claims, a newer roof, and clean driving records. We quoted them across our entire panel, and Branch came back at $2,340 — a savings of $860 per year with equivalent coverage limits and deductibles. That is real money that this family now keeps in their pocket every single year.
Branch does not win every quote. No carrier does. But they win far more often than their age as a company would suggest, and when they win, they often win by a meaningful margin.
3. A Mobile App That Clients Actually Use
Most insurance apps are afterthoughts — clunky interfaces that do little more than display a PDF of your ID card. The Branch app is different. It was designed alongside the insurance product itself, and it shows.
With the Branch app, our clients can pull up their insurance ID cards anytime (even without an internet connection), file a claim in seconds by uploading photos and a brief description, manage their account settings and coverage details, update payment information, request roadside assistance, and reach a live human via chat, phone, or email. For our clients who prefer to manage everything from their phone, Branch is the carrier that makes it seamless. We hear positive feedback about the app more than almost any other carrier feature.
4. Claims Handled by Humans, Not Just Algorithms
The real test of any insurance carrier is not how they sell you the policy — it is how they treat you when you need to use it. Branch's claims process strikes the right balance between technology and human touch.
Filing a claim is fast. Clients can do it through the app or the website in minutes — they upload a few photos, describe what happened, and submit. But here is where Branch stands out from other insurtechs: every claim is assigned to a dedicated claims professional who communicates directly with the policyholder throughout the process. It is not a faceless ticket system. There is a real person guiding each claim to resolution.
We had a client whose home sustained hail damage last spring. She filed her claim through the Branch app on a Saturday afternoon. By Monday morning, she had a call from her assigned claims adjuster, and the inspection was scheduled for that same week. The entire process from claim to payment took less than two weeks. That kind of responsiveness builds trust — and it makes us confident recommending Branch to our clients.
5. Financial Strength You Can Count On
One concern people sometimes have with newer insurance companies is financial stability. Will they be around in ten years? Can they pay claims after a major catastrophe? With Branch, we feel very good about the answer.
Policies are underwritten by General Security National Insurance Company, which holds an A+ (Superior) rating from AM Best — the gold standard for insurance company financial strength. All policies are also reinsured by SCOR, one of the world's largest reinsurers, which carries its own A+ AM Best rating. In select states, policies are written through Branch Insurance Exchange, rated A (Exceptional) by Demotech.
What this means for our clients is straightforward: Branch may be a young company, but the financial infrastructure behind every policy is anything but. Your claim will get paid, whether it is a broken window or a total loss after a tornado.
A Real Client Story
One of our favorite Branch success stories involves a young couple who had just bought their first home in Naperville, Illinois. They were getting quotes from everywhere — online direct carriers, their parents' State Farm agent, the works. They were overwhelmed by options and frustrated by the amount of time it was taking to get apples-to-apples comparisons.
When they came to us, we ran their information across our full carrier panel. Branch's bundled home and auto quote came back not only as the lowest premium but with better coverage limits than several of the other options. The couple was initially hesitant because they had never heard of Branch, but after we walked them through the AM Best ratings, the app features, and the claims process, they decided to go for it.
Six months later, they had a minor fender bender. They filed their auto claim through the Branch app from the scene of the accident, and by the time they got home, they already had a confirmation and a claims adjuster assigned. The repair was covered, the process was painless, and they called us afterward to say thank you. That is the kind of experience that validates why we partner with Branch.
Get a Quote From Branch (And 22+ Other Carriers)
Branch Insurance is one of the best options in our panel for homeowners looking to bundle home and auto coverage at a competitive price. But they are not the only option. As an independent agency, we compare Branch against every other carrier we represent to make sure you are getting the absolute best rate for your situation.
Ready to see what Branch — and the rest of our carrier panel — can do for you? Get a free quote from Better Choice Insurance Group. It takes less than five minutes, there is zero obligation, and you might be surprised at how much you can save. You can also call us directly at (847) 908-5665.