Goosehead Insurance, Inc. is a leading independent personal lines insurance agency in the United States, operating under a dual-distribution business model that combines corporate-owned sales offices with a vast network of franchise locations. Founded in 2003 and headquartered in Westlake, Texas, the company does not underwrite insurance or take on underwriting risk. Instead, it acts as an intermediary, leveraging its proprietary technology platform to connect consumers with over 100 insurance carriers. This allows clients to compare quotes and secure optimal coverage for auto, homeowner's, renter's, umbrella, and small commercial insurance.
Goosehead generates revenue primarily through commissions and agency fees from new and renewed policies, as well as franchise fees and royalties from its franchisee network. In 2025, the company reported total revenues of approximately $365 million. The business is heavily concentrated in personal lines, with homeowner's insurance accounting for roughly 63% of total written premiums and automotive insurance contributing about 34%, while commercial insurance makes up the remainder. A key driver of Goosehead's financial model is its high client retention rate, which provides a predictable stream of recurring renewal commissions.
The company's competitive advantage lies in its separation of sales and service functions; sales agents focus exclusively on acquiring new business, while centralized service centers handle client support and policy renewals. This structure, combined with its expanding "Digital Agent" platform, enables high agent productivity and a streamlined customer experience. Goosehead operates nationwide, with a particularly strong presence in Texas, Florida, and California, and continues to aggressively expand its franchise footprint across the country.
