Error and Offering Codes Table
Branch API errors fall into two categories: 4-digit and 5-digit codes.
- 4-digit error codes indicate missing information that prevents Branch from returning a price. To resolve these, resubmit your request with the required additional data (see the table for specifics).
- 5-digit error codes generally mean Branch can't offer a policy due to eligibility or underwriting constraints. These show up in the offer.quote.offerings object as rejection reasons for specific policy types.
Two 5-digit codes behave more like 4-digit ones:
50001: No vehicles found — Branch can't offer auto insurance.50006: Insufficient home characteristics — Branch can't offer home insurance.
In these cases, resubmitting with the missing data (e.g., VIN or home details) can yield a quote, just like with 4-digit errors. However, this may not be necessary (e.g., if the user is a renter only seeking auto coverage).
| Code(s) | Description | Underwriting Hold? (RequestQuoteV2 Only) |
|---|---|---|
| 4000, 4001 | Generic / not-easily-classified error. Sometimes returned on invalid input that is not easily identified or expected. | |
| 4002, 5014 | One of the data services that Branch relies upon is not available. | |
| 4003, 5017, 5026 | Branch is not selling insurance in the requested state via this API | |
| 5001 | Could not find name and address combination in databases; submit prior address (which could be current address if insured is buying a new home) | |
| 5002 | Could not find name/address/prior address combination in databases; submit date of birth and it will be possible to proceed | |
| 5003, 5008 | Could not find current auto insurance details; submit all auto insurance details in the QuoteInput type to get a price | |
| 5004, 50006 | Could not find home details; submit all home characteristics in the HomeDetailsInput type to get a homeowners price | |
| 5005, 5006, 5009, 5010, 50001 | Could not find any valid vehicles; submit VIN to get an auto price | |
| 5011 | Address is currently in a moratorium location and not available for insurance at the moment. | |
| 5027 | Unfortunately, we are unable to give you a price at this time | |
| 5012, 5015, 5016 | Need primary insured's driver's license state and number to proceed | |
| 5013 | We do not accept PO Box addresses; need to resubmit with a real property address | |
| 5014 | Rater error | |
| 5018 | Fee engine error | |
| 5019, 5021 | Request triggered suspicious-looking-activity rules | |
| 5020 | Request lacked enough valid information to proceed | |
| 5022 | Past prior-customer history requires speaking to Branch member support | |
| 5023 | Need lat/lng to proceed for a home price | |
| 5024 | Invalid zip code | |
| 5025 | Need apt/unit number | |
| 5032 | Unable to offer an option on the initial call; you should re-call with different details if trying to cure | |
| 5033 | Tried to recalculate a quote that had no options (was not eligible for anything from Branch); please start from scratch | |
| 5034 | This quote returned with an auxiliary auto rate, we are unable to offer a quote at this time. | |
| 5035 | We block simultaneous requests for the same name and address. Please wait 30 seconds and try again, and do not double-click to submit. | |
| 10009, 10010, 10011, 10012 | Property claims history makes the home ineligible for Branch | |
| 10013, 10014, 10015, 10016, 20001, 20002, 20003, 20004 | Driver(s) claims and violations history makes the auto ineligible for Branch | |
| 50002 | Square footage is more than Branch will write for homeowners | |
| 50003 | Occupant count is more than Branch will write for homeowners | Yes |
| 50004 | The car-to-driver ratio is more than Branch will write for auto | Yes |
| 50005 | The home was built before Branch's threshold for this state. | |
| 50007 | No prior / not recent enough auto insurance | Yes |
| 50008 | Branch will not write EIFS | Yes |
| 50009 | Branch will not write homes on stilts | Yes |
| 50010 | Branch will not write wood roofs | Yes |
| 50011 | Replacement cost estimate is below what Branch will write | Yes |
| 50012 | Replacement cost estimate is above what Branch will write | Yes |
| 50013, 50028 | Branch will not write homes with this fire protection class in this state | |
| 50014 | No fire protection class found on property | |
| 50015 | Driver count is more than Branch will write on a single policy | |
| 50016 | Car count is more than Branch will write on a single policy | |
| 50018 | Property is in a coastal location that Branch does not write | |
| 50019 | Did not receive Fireline score (in a state with significant wildfire risk) | |
| 50020 | Fireline score (in states with significant wildfire risk) was too high | |
| 50021 | Fireline score, in combination with the fire protection class, was too high | |
| 50022 | Did not receive distance-to-coast and need it for eligibility | |
| 50023 | Ineligible distance-to-coast | |
| 50024 | A Scheduled Personal Property item is more than 10 percent of Coverage C | Yes |
| 50025 | A Scheduled Personal Property items is more than 10 percent of Coverage A | Yes |
| 50026 | The aggregate of all Scheduled Personal Property items is more than 50 percent of Coverage C | Yes |
| 50027 | No wind/hail exclusion is available | |
| 50029 | Auto rejection when auto was not requested | |
| 50030 | Roof condition, as scored through aerial imagery, looks ineligible. Provide updated images of roof to Branch to proceed. | Yes |
| 50031 | Yard debris, as scored through aerial imagery, looks ineligible. Provide updated images of yard to Branch to proceed. | Yes |
| 50032 | Ineligible coastal county location | |
| 50033 | Insufficient continuous coverage | Yes |
| 50034, 50037, 50038, 50040 | Invalid auto insurance history | Yes for 50034, 50037 |
| 50035 | Invalid accident and violation history | |
| 50036 | Too many cars for number of drivers | Yes |
| 50039 | Invalid excluded drivers | |
| 50041 | Self-reported underwriting disqualification (home) | |
| 50042 | Self-reported underwriting disqualification (auto) | |
| 50043 … 50082 | Florida-specific rejections | |
| 50064 | Flat roof | Yes |
| 50083 | Condo is rented out | |
| 50084 | Other home rejection | |
| 50085 | Other condo rejection | |
| 50086 | Other auto rejection | |
| 50087 | Primary named insured is too young | |
| 50088 | We are not currently writing secondary homes in this state | Yes |
| 50089 | Home must be clean of claims in this state at this time | |
| 50090 … 50093 | Bundle requested via API; one policy type was rejected, so also rejecting the other requested type | |
| 50095, 50109, 50110, 50111, 50112, 50113 | Branch has too much total insured value near this property to make an offer | |
| 50096 | Property mismatch between what was requested and what Cherre returned (e.g. Asked for Home and Cherre returned Condo) | Yes |
| 50097 | The property is registered as a Commercial property in Cherre | Yes |
| 50098 | Unsupported property type (not included in 50096 and 50097) according to Cherre records | |
| 50100 | At least one vehicle on this offer does not have complete rating information and needs to be escalated to Branch to get a price. | Yes |
| 50101 | Data source says this home has more land than we allow; escalate to underwriting with proof if it is not vehicle | |
| 50102 | Data source says this home has asbestos; escalate to underwriting with proof if it is not vehicle | Yes |
| 50103 | Data source says this home is a historic home; escalate to underwriting with proof if it is not vehicle | Yes |
| 50104 | Salvage or junk title associated with vehicle | Yes |
| 50105 | Data source says this home is vacant; escalate to underwriting with proof if it is not | Yes |
| 50106 | Data sources says this home has an unsupported roof material; escalate to underwriting with proof if it is not | Yes |
| 50107 | Data sources says this home is in foreclosure; escalate to underwriting with proof if it is not | |
| 50108 | This line is not allowed to be written in this state in this context | |
| 10021 | Excessive water claims | |
| 50114 | Roof is too old in this state |