USA Insulation vs Ram Jack
Franchise Comparison 2026
Both USA Insulation and Ram Jack are home services franchises. USA Insulation requires an investment of $304K – $477K while Ram Jack requires $151K – $650K. USA Insulation discloses average revenue of $1.6M; Ram Jack does not report Item 19 data. USA Insulation has SBA lending data on file with a 2.6% charge-off rate. FranchiseVerdict rates USA Insulation A (Strongest tier) and Ram Jack A (Strongest tier).
| Metric | USA Insulation | Ram Jack |
|---|---|---|
| Verdict Grade | AStrongest tierStrongest tier | AStrongest tierStrongest tier |
| Investment Range | $304K – $477K | $151K – $650K |
| Franchise Fee | $45K | $30K |
| Royalty Rate | Greater of 5% of Gross Sales from prior month or $1,000 per month | None (Revenue is derived from required product sales) |
| Average Revenue (Item 19) | $1.6M | N/A |
| SBA Charge-Off Rate | 2.6% (39 loans) | Limited data |
| Total Units | 97 | 57 |
| Unit Growth (YoY) | N/A | N/A |
| Year Began Franchising | 2006 | 2008 |
| FDD Year | 2024 | 2025 |
Investment Range
$304K – $477K
$151K – $650K
Franchise Fee
$45K
$30K
Royalty Rate
Greater of 5% of Gross Sales from prior month or $1,000 per month
None (Revenue is derived from required product sales)
Average Revenue (Item 19)
$1.6M
N/A
SBA Charge-Off Rate
2.6% (39 loans)
Limited data
Total Units
97
57
Unit Growth (YoY)
N/A
N/A
Year Began Franchising
2006
2008
FDD Year
2024
2025