A Look at We Insure Franchise And Renegade Insurance: The Better Option for Agents in 2026

TLTR: This article compares and contrasts the We Insure Franchise and Renegade Insurance from an agent-centric viewpoint so that you can decide on which is the best one for your needs. The article compares business models, offerings, earning potential, and costs related to both entities.

The insurance industry has been notoriously slow at adapting digitally. However, with the growing prominence of technology in insurance, numerous opportunities have emerged. Independent agents can now choose from a wide range of possibilities and pursue a career in insurance.

Here, we look at two such options: Renegade and We Insure Franchise. Both entities have similar offerings but vastly different models for starting and running an independent insurance agency. Let’s see how they compare with each other.

How are We Insure and Renegade Insurance Different?

We Insure Group (previously We Insure Florida) runs on a franchise basis, with a “you sell, we service” model that offers market access and technology to independent insurance agents. They have simplified the insurance buying experience for consumers where having partnerships with the insurance providers allowed them to create one place for the clients to have one conversation and find the best option for them.

They offer agents end-to-end support and robust franchise opportunities. As a result, there is a retail requirement and several obligations that the franchise owners must fulfill. They also charge agents under several headings, including franchise fees, and technology costs.

Renegade is a modern, tech-enabled insurance agency platform empowering top agents to maximize their potential. Their goal is to provide comprehensive insurance solutions that empower communities to protect what matters most to them.

Renegade Insurance also has an insurance franchise opportunity targeting people with a startup mentality, trying to make a mark in the insurance industry. They offer high commission splits with an affordable, low investment entry. They are providing their franchisees with the opportunity to build the #1 insurance agencies in their community with a proven playbook and targeted solutions. If you want to experience the Renegade franchise opportunity, you can start here.

Renegade is also offering a $1 million insurance book of business to its franchisees, giving them the opportunity to get a head start. Building a book of business in insurance takes time and is challenging. So, Renegade’s offer makes it a very lucrative opportunity. It is also providing its franchisees the chance to own stock options, making it stand out from its market competitors.

How do We Insure Agents and Renegade Insurance Agents Make Money?

We Insure agents get commission based on each policy they write. Their commission split is either 80/20 on new business, 50/50 on renewal (Select Option), or 70/30 on new business, 65/35 on renewal (Premier Option).

Renegade agents earn on a similar model. However, the splits start from 80/20 and can change depending on the premium for personal lines where the splits can go to 60/40 for renewals. Likewise, the split goes up to 80/20 on new business and 50/50 on renewal respectively. Agents also have the option of selling multiple lines of business, including life, health, personal, and commercial insurance.

How Much Do We Insure Franchise and Renegade Insurance Charge?

We Insure, being a franchise business, has an estimated initial total investment of anywhere between $49K – $79K, depending on franchise programs, rental costs, upfront franchise fees, and more. They offer discounts to military veterans, but they charge fees under various headings, such as:

• Marketing and Signage Costs
• Technology Fees
• Compliance Fees
• Legal Fees, and more.

Maintaining retail space also adds rental charges and insurance costs.

In contrast, Renegade Insurance has an initial investment ranging from $20,000 – $45,000, depending on the franchise program and its requirements, and also charges agents a monthly service fee, which covers things like:

• Marketing
• Technology access
• Client servicing
• Carrier Access, etc.

With a fairly low entry investment, Renegade is an attractive option, especially when compared to some of its competition.

We Insure and Renegade Insurance: Market Access

We Insure offers market access to over 150 carriers. They are primarily based out of Florida but are expanding nationwide. They also offer their agents servicing assistance and back-end support, allowing agents to focus on selling.

Renegade is partnered with multiple regional and national carriers and is growing, making their market access wide enough to whet the appetite of a large variety of agency owners. With full back-end support and a proven playbook designed to help agents and agency owners scale aggressively, it provides the resources required to achieve rapid profitablity and sustained growth.

Renegade Insurance or We Insure Franchise: The Better Choice?

We Insure offers market access to over 150 carriers. They are primarily based out of Florida but are expanding nationwide. They also offer their agents servicing assistance and back-end support, allowing agents to focus on selling.

Renegade has a growing partnership with multiple robust regional and national insurance carriers. It offers a market access wide enough to whet the appetite of a large variety of agency owners. Couple that with industry-leading tech, back-end support and ability to sell across multiple verticals, agents can focus more on revenue-generating activities, that is, selling.

In a Nutshell

We Insure franchise works on a proven business model, but the initial investment is very high. Similar to Goosehead Insurance Franchise, agents need to be sure about commitment before joining the franchise, and there are several costs and headings that agents must pay regularly, regardless of sales. Renegade, meanwhile, has a low franchise entry fee backed by higher commissions, superior support, and resources needed to achieve rapid profitability and sustained growth. It gives agents the support they need to focus on selling without needing to worry about servicing hassles, and also provides access to a blueprint for building trusted agencies their clients can refer, recommend and rely on with the Renegade Franchise program.