Source: FranopolisRenegade Insurance
What It Costs
SourcesYour location, business format and operating plan can change the total.
Where Your Startup Money Goes
| Cost | Disclosed Amount | Source |
|---|---|---|
| Office Furniture and Fixtures | $0 to $3,000 | 2026 FDD · PDF Page 22 Office Furniture and Fixtures $ 0 $ 3,000 |
| 3-Months’ Lease Payments | $0 to $9,000 | 2026 FDD · PDF Page 22 3-Months’ Lease Payments $ 0 $ 9,000 |
| Leasehold Improvements | $0 to $15,000 | 2026 FDD · PDF Page 22 Leasehold Improvements $ 0 $ 15,000 |
| Total Estimated Initial Investment | $30,350 to $107,600 | 2026 FDD · PDF Page 23 Total Estimated Initial Investment $ 30,350 $ 107,600 |
| Signage | $0 to $6,000 | 2026 FDD · PDF Page 22 Signage $ 0 $ 6,000 |
| Utility and Security Deposits | $0 to $4,500 | 2026 FDD · PDF Page 22 Utility and Security Deposits $ 0 $ 4,500 |
| Insurance | $500 to $3,000 | 2026 FDD · PDF Page 22 Insurance $ 500 $ 3,000 |
| Appointment Fees and Other Miscellaneous Carrier Fees | $0 to $500 | 2026 FDD · PDF Page 22 Appointment Fees and Other Miscellaneous Carrier Fees $ 0 $ 500 |
| Training | $0 to $2,500 | 2026 FDD · PDF Page 22 Training $ 0 $ 2,500 |
| Professional Fees | $500 to $1,500 | 2026 FDD · PDF Page 22 Professional Fees $ 500 $ 1,500 |
| Licenses and Permits | $350 to $1,500 | 2026 FDD · PDF Page 22 Licenses and Permits $ 350 $ 1,500 |
| Computer Equipment | $1,000 to $2,500 | 2026 FDD · PDF Page 22 Computer Equipment $ 1,000 $ 2,500 |
| Additional Funds – 3 Months | $2,625 to $17,700 | 2026 FDD · PDF Page 23 Additional Funds – 3 Months $ 2,625 $ 17,700 |
| Initial Franchise Fee | $25,000 to $40,000 | 2026 FDD · PDF Page 22 Initial Franchise Fee $ 25,000 $ 40,000 |
| Support and Technology Fee | $375 to $900 | 2026 FDD · PDF Page 22 Support and Technology Fee $ 375 $ 900 |
Line items are shown as disclosed. Some costs overlap or apply to different formats; do not add them together without reviewing the source.
SourcesFees And Payment Terms
| Fee | Disclosed Terms | Source |
|---|---|---|
| Royalty — Commercial, Renewal, Standard | Standard 20% 40% 20% 50% 20% 40% | 2026 FDD · PDF Page 20 |
| Support and Technology Fee, first required user monthly | currently $375 per month for the first required user | 2026 FDD · PDF Page 13 |
| Carrier appointment fee high | currently, approximately $50 to $200 per appointment | 2026 FDD · PDF Page 17 |
| Initial fee — Office Location, lump sum | Office Location $ 30,000 | 2026 FDD · PDF Page 12 |
| Historical Initial Franchise Fees low | we collected initial franchise fees ranging from $0 to $35,000. | 2026 FDD · PDF Page 11 |
| Royalty — Personal Lines, Renewal, Standard | Standard 20% 40% 20% 50% 20% 40% | 2026 FDD · PDF Page 20 |
| Quarterly Minimum Royalty, months 0 to 6 | 0 to 6 $0 | 2026 FDD · PDF Page 21 |
| Pre-opening insurance paid to affiliate maximum | $0 to $ 3,000 of this amount could be paid to our affiliate | 2026 FDD · PDF Page 13 |
| Inspection maximum estimated cost | We do not expect any inspection costs to exceed $5,000. | 2026 FDD · PDF Page 21 |
| Supplier/product evaluation fee low | estimated to be approximately $100 to $500 | 2026 FDD · PDF Page 15 |
| Failure to submit report fee per week | $ 50 per occurrence and $ 50 per week | 2026 FDD · PDF Page 15 |
| Supplier/product evaluation fee high | estimated to be approximately $100 to $500 | 2026 FDD · PDF Page 15 |
| Royalty — Life Insurance, New Business, Self-Service | Self - Service 20% 20% 20% 20% 20% 20% | 2026 FDD · PDF Page 20 |
| Royalty — Life Insurance, Renewal, Standard | Standard 20% 40% 20% 50% 20% 40% | 2026 FDD · PDF Page 20 |
| Retail Location initial franchise fee discount | *These figures reflect a $5,000 discount for the operation of the Renegade Insurance Business from a Retail Location. | 2026 FDD · PDF Page 12 |
| Historical Initial Franchise Fees high | we collected initial franchise fees ranging from $0 to $35,000. | 2026 FDD · PDF Page 11 |
| Quarterly Minimum Royalty, months 85+ | 85 + $ 2,700 | 2026 FDD · PDF Page 21 |
| Audit underpayment threshold | understated or underpaid any amount owed to us by more than 2% per month | 2026 FDD · PDF Page 16 |
| Late payment interest rate | daily equivalent of 18% per year simple interest | 2026 FDD · PDF Page 15 |
| Royalty — Personal Lines, Renewal, Self-Service | Self - Service 20% 20% 20% 20% 20% 20% | 2026 FDD · PDF Page 20 |
| Audit maximum estimated cost | We do not expect the costs of any audit to exceed $10,000. | 2026 FDD · PDF Page 21 |
| Royalty — Life Insurance, Renewal, Self-Service | Self - Service 20% 20% 20% 20% 20% 20% | 2026 FDD · PDF Page 20 |
| Late payment grace period | received by us more than 15 days past due | 2026 FDD · PDF Page 15 |
| Transfer fee application deposit | $1,000 non - refundable deposit at time of transfer application submittal | 2026 FDD · PDF Page 17 |
| Pre-opening insurance premiums low | between $500 and $ 3,000 | 2026 FDD · PDF Page 13 |
| Quarterly Minimum Royalty, months 61 to 84 | 61 to 84 $ 2,400 | 2026 FDD · PDF Page 21 |
| Client retention standard reference | will not require client retention above 75% measured on a rolling three - month basis | 2026 FDD · PDF Page 15 |
| Late payment/non-sufficient funds fee | $ 30 per occurrence | 2026 FDD · PDF Page 15 |
| Royalty — Commercial, New Business, Standard | Standard 20% 40% 20% 50% 20% 40% | 2026 FDD · PDF Page 20 |
| Carrier appointment fee low | currently, approximately $50 to $200 per appointment | 2026 FDD · PDF Page 17 |
| Royalty — Life Insurance, New Business, Standard | Standard 20% 40% 20% 50% 20% 40% | 2026 FDD · PDF Page 20 |
| Franchise fee financing term | The term of the P romissory N ote will be 48 months | 2026 FDD · PDF Page 29 |
| Initial fee — Retail Location Self-Service, lump sum | Retail Location : Self - Service $ 30,000 * | 2026 FDD · PDF Page 12 |
| Initial fee — Retail Location, lump sum | Retail Location $ 25,000 * | 2026 FDD · PDF Page 12 |
| Quarterly Minimum Royalty, months 37 to 60 | 37 to 60 $ 2,100 | 2026 FDD · PDF Page 21 |
| Quarterly Minimum Royalty, months 13 to 24 | 13 to 24 $ 1,500 | 2026 FDD · PDF Page 21 |
| Support and Technology Fee, each additional required user monthly | $175 per month for each additional required user | 2026 FDD · PDF Page 13 |
| Pre-opening insurance premiums high | between $500 and $ 3,000 | 2026 FDD · PDF Page 13 |
| Franchise fee financing initial payment | you will pay 40% of the Initial Franchise Fee when you sign the Franchise Agreement | 2026 FDD · PDF Page 29 |
| Initial fee — Office Location, financed | Office Location $ 30,000 $ 35,000 | 2026 FDD · PDF Page 12 |
| Default promissory note interest | you must also pay interest in the amount of 1.5% per month | 2026 FDD · PDF Page 29 |
| Quarterly Minimum Royalty, months 25 to 36 | 25 to 36 $ 1,800 | 2026 FDD · PDF Page 21 |
| Quarterly Minimum Royalty, months 7 to 12 | 7 to 12 $ 1,200 | 2026 FDD · PDF Page 21 |
| Failure to submit report fee per occurrence | $ 50 per occurrence and $ 50 per week | 2026 FDD · PDF Page 15 |
| Optional Self-Service services maximum | Up to 20% of Gross Revenue | 2026 FDD · PDF Page 14 |
| Initial fee — Office Location Self-Service, lump sum | Office Location : Self - Service $ 35,000 | 2026 FDD · PDF Page 12 |
| Royalty — Commercial, New Business, Self-Service | Self - Service 20% 20% 20% 20% 20% 20% | 2026 FDD · PDF Page 20 |
| Initial fee — Retail Location, financed | Retail Location $ 25,000 * $30,000 * | 2026 FDD · PDF Page 12 |
| Royalty — Commercial, Renewal, Self-Service | Self - Service 20% 20% 20% 20% 20% 20% | 2026 FDD · PDF Page 20 |
| Initial fee — Office Location Self-Service, financed | Office Location : Self - Service $ 35,000 $ 40,000 | 2026 FDD · PDF Page 12 |
| Royalty — Personal Lines, New Business, Self-Service | Self - Service 20% 20% 20% 20% 20% 20% | 2026 FDD · PDF Page 20 |
| Initial fee — Retail Location Self-Service, financed | Retail Location : Self - Service $ 30,000 * $ 35,000 * | 2026 FDD · PDF Page 12 |
Some fees apply only to a specific event or service. These are not all monthly expenses.
SourcesSee how the disclosed startup costs fit your cash, reserves, and financing plans.
Inside The FDD
SourcesPlain-language summaries of the available FDD information. Each summary links to its source, with original excerpts available to review.
Sources
The Franopolis report provides the source research. FDD page references identify the supplied excerpts when available.
07Estimated Startup Investment
The FDD estimates a total startup investment of $30,350 to $107,600. Review the listed costs and any conditions before setting your own startup budget.
2026 FDD · PDF Page 23 · Item 7 · View Source
Read Source Excerpts
Source NotesTotal Estimated Initial Investment $ 30,350 $ 107,600
19Reported Business Results
The franchisor does not provide claims about future franchisee financial results or past results of its company-owned or franchised locations.
2026 FDD · PDF Page 42 · Item 19 · View Source
Read Source Excerpts
Source NotesWe do not make any representations about a franchisee’s future financial performance or the past financial performance of company - owned or franchised outlets.
Find The Right Business For The Life You Want.
You don’t have to compare every brand on your own. A franchise consultant can help narrow your options and work through what ownership would ask of you.
Bring your questions about this brand, your priorities and the kind of business you want to run.
Your Role
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Your Shortlist
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Your Market
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