Franchise opportunities compared
Agency Owner vs Keystone Insurers Services Group
Reviewed figures from each brand's Franchise Disclosure Document (FDD), side by side. Each figure carries its FDD year and page. This is not a ranking or recommendation, and the two FDDs may cover different years and location groups.
Initial investment · Item 7
Agency Owner
$23,325
2025 FDD · Item 7 · PDF p. 17Keystone Insurers Services Group
$27,250 – $99,200
2025 FDD · Item 7 · PDF p. 24Initial franchise fee · Item 5
Agency Owner
$35,000
2025 FDD · Item 5 · PDF p. 10Keystone Insurers Services Group
Not available
Royalty · Item 6
Agency Owner
Not available
Keystone Insurers Services Group
Not available
Before you compare
- Both sets of figures come from 2025 FDDs.
- Only Agency Owner has reviewed Item 19 figures here.
Financial commitment
Keystone Insurers Services GroupAgency Owner
Keystone Insurers Services Group
Agency Owner
Keystone Insurers Services Group
Agency Owner
Keystone Insurers Services Group
Agency Owner
Keystone Insurers Services Group
System scale & health
Keystone Insurers Services GroupAgency Owner
Keystone Insurers Services Group
Agency Owner
Keystone Insurers Services Group
Agency Owner
Keystone Insurers Services Group
Agency Owner
Keystone Insurers Services Group
Agency Owner
Keystone Insurers Services Group
Financial performance (Item 19), by location group
Keystone Insurers Services GroupNo reviewed Item 19 figures
Item 19 groups are shown separately and never combined. Revenue or sales figures are not profit. Net outlet change and turnover are Franopolis calculations from the disclosed counts; turnover is a count-based rate, not a measure of owner earnings.
Agency Owner vs Keystone Insurers Services Group: common questions
- Which costs less to open, Agency Owner or Keystone Insurers Services Group?
- Agency Owner: $23,325 (2025 FDD · Item 7 · PDF p. 17); Keystone Insurers Services Group: $27,250 – $99,200 (2025 FDD · Item 7 · PDF p. 24). These are each franchisor's Item 7 estimated initial investment. The low end of the disclosed estimate is lower for Agency Owner. Estimates are not quotes, and the FDD years may differ.
- Which has more locations, Agency Owner or Keystone Insurers Services Group?
- Agency Owner: 341 (2025 FDD · Item 20 · PDF p. 52); Keystone Insurers Services Group: 302 (2025 FDD · Item 20 · PDF p. 48). Total outlets from Item 20. Outlet counts do not indicate territory availability or franchisee results.
- Do Agency Owner and Keystone Insurers Services Group disclose financial performance (Item 19)?
- Agency Owner has reviewed Item 19 figures for 30 location groups; Keystone Insurers Services Group has no reviewed Item 19 figures on file. Different location groups are not directly comparable, and revenue is not profit.
Answers restate the reviewed figures above. Not a ranking or recommendation.
Keep researching
Full Agency Owner report
Every reviewed fee, Item 19 group, outlet table and territory disclosure
Full Keystone Insurers Services Group report
Every reviewed fee, Item 19 group, outlet table and territory disclosure
