Branch Insurance Group Announces Exciting Evolution to Branch Insurance Group


Branch Insurance Group, a renowned leader in the insurance industry, is thrilled to announce a significant milestone in its journey. The company is evolving into Branch Insurance Group (B.I.G.), marking a new chapter of growth and expanded services. This transformation reflects the company’s commitment to providing exceptional service and support to its clients, wherever they may grow.

A New Name, A Broader Reach

Branch Insurance Group isn’t just a change in name; it’s an expansion of possibilities. With this transition, B.I.G. extends its national presence, uniting under a collective brand that embodies more expertise, enhanced support tools, and a wealth of resources. This evolution enables the company to serve a broader range of clients across the country, ensuring that no matter where you are, B.I.G. is there to support your growth.

Commitment to Exceptional Service

At the heart of Branch Insurance Group is a deep-seated commitment to providing unparalleled service. “Our growth into Branch Insurance Group is more than a name change. It’s a reaffirmation of our dedication to our clients,” said Quincy Branch, President/CEO of Branch Insurance Group. “We are harnessing the power of our collective expertise to deliver an even higher level of service and support. Our clients are our partners, and we are fully invested in their success.”

More Than Just Insurance – A Partner in Growth

Branch Insurance Group is not just an insurance broker; they are a growth partner. The expansion means more than just geographical reach; it signifies a broader spectrum of tailored solutions, designed to meet the unique needs of each client. The company’s approach goes beyond traditional insurance services, offering comprehensive support that helps businesses thrive.

Looking Forward to 2024

The upcoming year promises to be a landmark one for Branch Insurance Group. With a refreshed website and new communication tools set to launch in January, clients can expect a seamless transition and enhanced digital experience. “As we step into 2024, we’re not just looking at what’s next for us, but what’s next for our clients,” added O’Shea Utley, Chief Operations & Technology Officer at B.I.G. “Our growth is a reflection of the trust our clients place in us, and we’re excited to embark on this journey together.”

Embracing Change, Strengthening Partnerships

Change can often bring uncertainty, but for Branch Insurance Group, it’s a pathway to stronger, more resilient partnerships. The rebranding is a step forward, reinforcing the company’s promise to adapt, evolve, and continuously improve in an ever-changing landscape. Clients can rest assured that the core values of trust, reliability, and expert guidance remain firmly at the foundation of B.I.G.

Stay Connected

As Branch Insurance Group gears up for this exciting transition, clients and partners are encouraged to stay connected for updates on the new email addresses and website launch. The company’s dedication to open, transparent communication ensures that everyone involved is informed and engaged every step of the way.

About Branch Insurance Group

Branch Insurance Group, formerly Branch Insurance Group, is a leading insurance provider offering a wide range of services. With a focus on innovation, expertise, and exceptional customer service, B.I.G. is committed to supporting the growth and success of its clients across the nation.

How Much Should I Be Paying for Homeowners Insurance?

Homeowners insurance is a critical safeguard that provides you with financial protection and peace of mind. However, determining how much you should pay for this essential coverage can take time and effort.

The cost of homeowners insurance can vary widely based on many factors, including location, the value of your home and belongings, coverage options, and your choice of insurance provider.

Let’s look at the intricacies of paying for homeowners insurance and focus on our service areas, Las Vegas and St. Louis, to help you better understand and manage this important expense.


The Importance of Homeowners Insurance

Before diving into the specifics of paying for homeowners insurance, it’s essential to grasp why this type of coverage is so crucial. Homeownership is a significant investment, and it’s likely your home is one of your most valuable assets.

The right insurance can protect against unexpected and potentially devastating events, such as natural disasters, theft, fire, and liability claims. Without adequate coverage, you could find yourself facing serious financial issues.


Factors That Affect Insurance Premiums

Your location is one of the primary elements of your homeowners insurance premium. Different regions face varying levels of risk for certain hazards, which directly impacts insurance costs.

For instance, homeowners insurance in Las Vegas will more likely cover wildfires and heat-related damage, thanks to the city’s scorching summers and limited precipitation.

Meanwhile, homeowners insurance in St. Louis may be more focused on covering severe thunderstorms, tornadoes, and flooding. As a result, people in these cities can expect different premium rates for their coverage.

Other factors that can influence your homeowners insurance premium in any part of the country include:

  • Home Value: The more expensive your home is, the higher your insurance premium will likely be. This is because it costs more to repair or replace a high-value property.
  • Coverage Options: The extent of coverage you choose significantly affects your premium. Basic policies cover essential risks, while comprehensive coverage includes more extensive protections like flood or earthquake insurance.
  • Claim History: If you’ve made multiple claims in the past, insurance companies may consider you at higher risk and charge a higher premium.
  • Home Features: Your home’s age and construction materials, as well as safety features like alarm systems and sprinklers, can also affect your premium.

Understanding Coverage Options

Homeowners insurance policies come in many forms, and understanding these options is crucial when assessing your costs. The most common types include:

HO-3 Policy

This is the most popular and comprehensive form of homeowners insurance. It covers your home’s structure and personal belongings against a wide range of perils, except for those specifically excluded.

HO-2 Policy

A more limited type of policy that covers your home and belongings against a specified list of dangers. It’s less expensive but also provides less coverage in return.

Additional Coverage

Depending on your location, you may need additional policies, such as flood or earthquake insurance, to better protect your home from more regional natural disasters.


Determining the Value of Your Home and Belongings

To calculate the appropriate coverage and estimate your premium, you’ll need to determine the value of your home and belongings. Consider getting a professional appraisal to assess your home’s replacement cost accurately.

It would help if you also inventoried your personal belongings and their estimated values. This will decide just how much personal property coverage you need.

Researching and Comparing Insurance Providers

Shopping around for homeowners insurance is essential to finding the best rate. Since different insurance companies offer varying rates and discounts, obtaining quotes from multiple providers is a smart choice.

When evaluating insurers, be sure to compare their coverage options, deductibles, and customer reviews. You should also investigate scores from top credit rating agencies like A.M. Best, Moody’s, J.D. Power, and Standard & Poor’s.

Tips for Lowering Insurance Premiums

While homeowners insurance is essential, there are strategies to reduce your premium without sacrificing coverage. Here are some ways you can lower the premium and save money.

Bundling Policies

Consider bundling your homeowners insurance with auto or other policies to receive a multi-policy discount. There are many companies that offer discounts on these bundles.

Home Improvements

Updating your home’s safety features, such as installing security systems or reinforcing the roof, can even lower your premiums.

Higher Deductibles

Opting for a higher deductible will lower your premium, but be prepared to pay more out of pocket in case of a claim.


Inquire about available discounts, such as those for home security systems, non-smokers, or retirees.


The Role of Deductibles

Deductibles are what you must pay out of pocket before your insurance coverage kicks in, so choosing the right one is essential. A higher deductible will lower your premium, but you’ll have to cover more costs if you file a claim.

Conversely, a lower deductible results in a higher premium, but this also means less expense in case of a claim. Assess your financial situation and risk tolerance when deciding on a deductible.


Common Misconceptions About Pricing

There are many common misconceptions about what you should be paying for homeowners insurance, so let’s take a closer look and dispel some of these.

  • Market Value vs. Replacement Cost: Homeowners often confuse their home’s market value with its replacement cost. Insurance should cover the latter — the cost of rebuilding your home from scratch.
  • Coverage for Land: Homeowners insurance doesn’t cover the value of your land, only the structure and belongings on it.
  • One-Size-Fits-All Premiums: Premiums are highly individualized and depend on numerous factors, so what your neighbor pays may not be the same as your premium.

 Receive Guidance and Advice from Professionals

When navigating the complexities of homeowners insurance costs, it’s best to speak with insurance professionals. These agents and brokers can help you understand your coverage needs, find appropriate policies, and identify potential discounts you might be eligible for.

Determining how much you should pay for homeowners insurance involves considering many factors, including your location, coverage options, deductibles, and the value of your home and belongings.

By doing your research, comparing insurance providers, and seeking professional advice, you can strike a balance between adequate coverage and manageable premiums.

Remember that homeowners insurance is an investment in your financial security and peace of mind, so make sure you’re working with the right people. Branch Insurance Group is here to walk you through this process and help you find coverage that fits your needs.


Get a quote now to see how we can provide your Las Vegas or St. Louis home with the right insurance policy.

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Ask An Agent- When do I need to get homeowners insurance?

Hello everyone, Miro Reyes with Branch Benefit Consultants. Our next consumer question is when do I need to get homeowners insurance? Well, if you’re starting to look into purchasing a home, you want to start shopping for the best rate. The best rate is not always the best coverage. So, ask your insurance agent what each coverage means and how it protects you. If you plan on having an in-home business. Don’t forget to mention that. Remember buying your home is your largest investment, so it’s best to protect it properly. Here at Branch Insurance Group, we strive to protect our clients with the best coverage. So give us a call or text. If you have any questions, in our next segment, we’re going to have a little bit more information in regards to coverages and how it cover you in your home and additional endorsements that you’re able to add to your home policy. Give us a call or text if you have any questions. Thank you for your time.


We’d be happy to review your insurance coverage options with you! Give us a call at (702) 646-2082 or visit

Ask an Agent- Renters/Tenant Insurance

Hello guys, my name is Mayra. I am with Branch Insurance Group. I am here to talk to you about renters insurance today. The renters insurance policy also known as tenant insurance is required by landlords and it covers fire, theft/vandalism, and personal injury to others. The main coverages are personal property which covers your clothes, your electronics, your furniture, and anything in the house that belongs to you. Medical is if somebody comes on the property and they get injured. Liability is if you cause damage to somebody else’s property, such as if your child is playing and breaks a neighbor’s window. Additional living expenses are a cost that you incur while the rented premises are being repaired due to damages and it’s not livable. You can also add any additional coverages upon request.

Please call us or text. We’d be happy to review your insurance coverage options with you! Give us a call at (702) 646-2082 or visit

Ask An Agent- Flood Insurance



Hi, Mira with Branch Insurance Group. Today, we’re gonna be speaking a little bit about flood insurance.A lot of our customers ask what is flood insurance and how does it cover us? Well, as we all know, just a couple of weeks ago, we were hit by a monsoon here in Las Vegas Valley and we had a widespread of flood insurance. So, is it really worth having flood insurance placed on your property?

Of course, it is! Did you know that only two inches of flood water can cause up to $25,000 worth of damage to your property? Well, floods could come from any source of water. It could come from tidal waves, it could come from inland waters, and also for unusual rapids overflowing waters that bring from any source. Therefore, water damage can cover your building and the foundation of your premises. It also can cover contents that are covered on the ground floor of your building or the ground floor of your home.

There is a 30 day waiting period for any flood insurance to take effect unless you’re purchasing a home for the first time. If your home happens to be in a flood zone area. Then, of course, there’s not a waiting period for the builders uh to have that flood insurance in place. Flood insurance can be pretty pricey, but also can be fairly inexpensive, and it’s always well to have. I know Vegas doesn’t get hit by the monsoons, but when we do get hit, we get hit pretty hard. So give us a call whenever you’re ready to get a flood insurance quote, you don’t take any time away from us. So we’re here to help you.

We’d be happy to review your insurance coverage options with you! Give us a call at (702) 646-2082 or visit

Ask An Agent- Uninsured/Underinsured Motorist Coverage

Hi, Miro with Branch Benefit Consultants here to talk about uninsured motorist.

We have a lot of customers that ask what is Uninsured Motorist and underinsured motorists? Well, uninsured Motorist protects you and your passengers, if you are hit by an uninsured driver, not enough insurance or that hit and run driver.

Uninsured motorist protects you and your passengers’ medical bills up to the limit of liability. You can have the basic liability of $25,000/ $50,000 or you can have $500,000 in coverage. It all protects you and your passengers, medical payments. Uninsured motors protects you in many ways.

Please give us a call here at Branch Benefit Consultants to speak more about uninsured/underinsured motorist coverage. Thank you for your time.

We’d be happy to review your insurance coverage options with you! Give us a call at (702) 646-2082 or visit

Congrats to Quincy for being featured on IIABA’s May 2023 cover!


Big congratulations and kudos to our very own CEO, Quincy Branch, for being featured on the May cover of IIABA magazine! We encourage you to take some time to read some of Quincy’s insights on the changing landscape of insurance and how diversifying the agency’s book of business and people has proven to be a recipe for success.


We’re so proud of our whole team and our journey together!

Ask An Agent- Travel Trailers

Hi, my name is Gaby and I’m going to talk about the travel trailers which are the fifth wheels, travel trailers, toy haulers and horse trailers. Those are actually pulled by an auto and your auto insurance covers that liability portion of the insurance.

What you can add is the comprehensive and collision coverage, the med pay, personal property, vacation liability, and roadside assistance. If you have any questions about what are those coverages? Please give us a call. Thank you.

We’d be happy to review your insurance coverage options with you! Give us a call at (702) 646-2082 or visit

Ask An Agent- Classic Car Insurance

Hi, my name is Miro. I’m going to be talking about classic auto insurance today. With classic auto insurance we’re able to insure a vehicle up to the value of $35,000 without an appraisal. Any other vehicle over the value of 35,000 will need an appraisal. Classic vehicles normally fall under the guidelines of 25 years or older.

You’re also able to add various endorsements to classic insurance like cherishing the reconstruction of the value of the vehicle. Also, you’re able to charge a salvage title for your classic automobile, under the classic automobile, you’re able to have your regular liability costs, your uninsured motors, your medical, your comprehensive and collision on classic insurance.

We also have the availability to have a zero deductible. If you have any questions in regards to your classic vehicle, we’re here to help you, give us a call.

We’d be happy to review your insurance coverage options with you! Give us a call at (702) 646-2082 or visit