Bath Fitter vs USA Insulation
Franchise Comparison 2026
Both Bath Fitter and USA Insulation are home services franchises. Bath Fitter requires an investment of $266K – $516K while USA Insulation requires $304K – $477K. USA Insulation has SBA lending data on file with a 2.6% charge-off rate. FranchiseVerdict rates Bath Fitter A (Strongest tier) and USA Insulation A (Strongest tier).
| Metric | Bath Fitter | USA Insulation |
|---|---|---|
| Verdict Grade | AStrongest tierStrongest tier | AStrongest tierStrongest tier |
| Investment Range | $266K – $516K | $304K – $477K |
| Franchise Fee | $80K | $45K |
| Royalty Rate | Currently $0 royalty fee; we reserve the right to impose a royalty fee at any time not to exceed 2.5% of Gross Revenues | Greater of 5% of Gross Sales from prior month or $1,000 per month |
| Average Revenue (Item 19) | N/A | N/A |
| SBA Charge-Off Rate | Limited data | 2.6% (39 loans) |
| Total Units | 142 | 97 |
| Unit Growth (YoY) | N/A | N/A |
| Year Began Franchising | 1992 | 2006 |
| FDD Year | 2026 | 2026 |
Investment Range
$266K – $516K
$304K – $477K
Franchise Fee
$80K
$45K
Royalty Rate
Currently $0 royalty fee; we reserve the right to impose a royalty fee at any time not to exceed 2.5% of Gross Revenues
Greater of 5% of Gross Sales from prior month or $1,000 per month
Average Revenue (Item 19)
N/A
N/A
SBA Charge-Off Rate
Limited data
2.6% (39 loans)
Total Units
142
97
Unit Growth (YoY)
N/A
N/A
Year Began Franchising
1992
2006
FDD Year
2026
2026