Branch Insurance Exchange
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Verified official producer-facing guidance is limited. Branch’s official independent-agent page positions the carrier as a fast digital market for personal lines, especially bundled home and auto, with a quote-to-bind workflow and agency partnership model rather than a detailed public appetite guide. Current consumer-facing pages confirm home insurance is an active product line and emphasize bundling, streamlined underwriting using external data, and online/app servicing and claims. Preferred business appears to be standard personal lines homeowners, especially customers willing to bundle home with auto and use Branch’s digital purchase/service model. Publicly visible restricted/geographic guidance is narrow but clear: products issued by Branch Insurance Exchange are not available in California, and some products/discounts are not available in all states. Branch states it gathers claims, driving, credit, household, DMV, Verisk Coverage Verifier, and property/address-based third-party data to generate quotes, so submissions should expect data-prefill/verification and possible reliance on consumer and property reports rather than manual narrative underwriting. For agents, the main broker instruction is to contact Branch through its agency submission page to discuss partnership details with a state-dedicated Agency Success Manager, then use Branch’s digital quote-to-bind experience; PartnerLink is described as a co-branded landing page for agency customers and commissions are positioned as automated. No public official page was found with detailed class-by-class home underwriting acceptability, occupancy/construction restrictions, age-of-home rules, protection-class thresholds, wildfire/coastal limits, or explicit decline lists, so those items are not verified from public official sources and should be obtained directly from Branch’s agency team before production use.