Goosehead Insurance FDD: What Changed from 2025 to 2026
The 2026 Goosehead Insurance FDD lifts the high end of the Item 7 estimated initial investment from $108,500 to $111,500 (+$3,000, +2.8%) while the low end holds at $66,000, and the franchise network contracts by 93 offices to 1,022 (−8.3%).
Item 7 — Estimated Initial Investment
| 2025 FDD | 2026 FDD | Change | |
|---|---|---|---|
| Low end of range | $66,000 | $66,000 | unchanged |
| High end of range | $108,500 | $111,500 | +$3,000 |
| Full range | $66,000–$108,500 | $66,000–$111,500 |
The Item 7 floor holds at $66,000 across both filings while the ceiling rises $3,000 to $111,500.
Item 20 — System Size (Outlet Count)
| 2025 FDD | 2026 FDD | Change | |
|---|---|---|---|
| Total outlets (Item 20) | 1,115 | 1,022 | −93 (−8.3%) |
Goosehead reports 1,022 franchise offices in the 2026 FDD, down 93 from 1,115 in the 2025 filing.
Item 19 — Financial Performance Representations
Goosehead Insurance included an Item 19 financial performance representation in both the 2025 and 2026 filings.
Item 6 — Ongoing Fees
| 2025 FDD | 2026 FDD | Change | |
|---|---|---|---|
| Royalty rate | Commission split (not a percentage royalty) | Commission split (not a percentage royalty) | unchanged |
Both filings describe a commission-split compensation model rather than a flat percentage royalty; franchisees retain a defined share of new-business and renewal commissions, with the remainder paid to the franchisor. The split structure is unchanged between filings.
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