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Kin Insurance vs NowCerts

Kin Insurance logo

Kin Insurance

Insurance

Home and auto insurance sold direct with pricing by address quote

From
On request
Rated
-
Full reviewWebsite
NowCerts logo

NowCerts

Insurance

Agency management system for independent insurance agencies, now sold as Momentum AMP

From
$99/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Kin Insurance specific premium rates not disclosed; quote-based pricing only; NowCerts the product was renamed to Momentum AMP in November 2024, so review sites, integration lists and consultant recommendations that still say NowCerts describe a product now sold under a different brand with a different strategy, and buyers checking references need to be sure which era they are hearing about.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Kin Insurance and NowCerts actually diverge.

Attributes where Kin Insurance and NowCerts differ
AttributeKin InsuranceNowCerts
Starting priceOn request$99/month
Pricing modelquotePer month by seat band
PlatformsWebWeb, iOS, Android

Identical on both: free tier (No), user rating (Not yet rated), category (Insurance).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Kin Insurance

Nothing recorded that NowCerts does not also cover.

Only in NowCerts

  • Policy and client management
  • ACORD forms and certificates
  • Commission reconciliation
  • Insured self-service portal
  • Carrier download
  • Momentum Automation Center
  • Momentum Rate

What people use each for

The jobs each tool is most often brought in to do.

Kin Insurance

  • Homeowners insurancenot NowCerts
  • Property coveragenot NowCerts
  • Insurance comparison and quotesnot NowCerts

NowCerts

  • A five-person personal lines agency leaving spreadsheets and shared drives that needs certificates and ID cards issued without rekeying datanot Kin Insurance
  • An agency being repriced off Applied Epic or AMS360 that wants comparable core servicing at roughly a third of the seat costnot Kin Insurance
  • A commercial lines agency that issues certificates of insurance constantly and wants insureds pulling their own rather than emailing the account managernot Kin Insurance
  • A newly formed agency that wants an AMS, a comparative rater and lead generation from one vendor rather than stitching three contracts togethernot Kin Insurance

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Kin Insurance

  • Specific premium rates not disclosed; quote-based pricing only
  • Pricing varies by property address and coverage details

NowCerts

  • The product was renamed to Momentum AMP in November 2024, so review sites, integration lists and consultant recommendations that still say NowCerts describe a product now sold under a different brand with a different strategy, and buyers checking references need to be sure which era they are hearing about.
  • Accounting is functional but shallow next to AMS360, so agencies that run trust accounting or need detailed general ledger treatment usually keep a separate accounting package and reconcile manually.
  • Commercial lines handling, particularly complex schedules and multi-location risks, is weaker than Applied Epic, which is why larger commercial agencies routinely reject it after a proof of concept.
  • Real onboarding is a paid add-on: professional services run 1,950 dollars a month for a split resource or 2,950 for a dedicated one, plus a 900 dollar onboarding fee, so the headline 99 dollar plan is not the true first-year cost for an agency migrating data.
  • The platform is now stacking separately priced modules, with the automation centre, rating and voice each carrying their own monthly fee, and an agency that wants all of them ends up paying several times the advertised AMS price.

Pricing, plan by plan

Kin Insurance

On request

No published plan breakdown. See the Kin Insurance review.

NowCerts

$99/month
  • Essentials$99/month
    • 1 user included
    • Additional seats 45 USD each
    • Client and policy management
  • Professional$169/month
    • 2 users included
    • Sales pipeline
    • Renewal centre
  • Business$349/month
    • 5 users included
    • Billing and accounting
    • Commission reconciliation
  • Enterprise$undefined/month
    • 50 or more users
    • Quoted
    • Additional seats 45 USD each

Which should you pick?

Choose Kin Insurance if

Nothing in the data separates Kin Insurance from NowCerts on the points above - pick on price and on how each one feels to use.

Kin Insurance review

Choose NowCerts if

  • You need policy and client management.
  • You work on Web, iOS, Android.
  • You also want acord forms and certificates.
NowCerts review

Questions people ask

Is Kin Insurance or NowCerts better?
Neither clearly leads. Kin Insurance starts at On request and NowCerts at $99/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Kin Insurance or NowCerts?
Kin Insurance starts at On request and NowCerts at $99/month.
Does Kin Insurance or NowCerts run on more platforms?
Kin Insurance runs on Web. NowCerts runs on Web, iOS, Android.
What is Kin Insurance best used for?
Kin Insurance is most often used for homeowners insurance, property coverage, insurance comparison and quotes. Of those, homeowners insurance and property coverage are not what NowCerts is typically brought in for.
What can Kin Insurance do that NowCerts cannot?
NowCerts covers Policy and client management, ACORD forms and certificates, Commission reconciliation, Insured self-service portal.

Answered from the vendors’ own pages

Kin Insurance: How much does Kin Insurance cost?

Kin Insurance does not publish standard rates. To get pricing, enter your property address on the website or call 855-717-0022 for a personalized quote.

Source
NowCerts: Is NowCerts still sold?

Yes, but under a different name. NowCerts Inc. rebranded to Momentum in November 2024 and the agency management system is now sold as Momentum AMP. Contract with Momentum, not NowCerts.

Kin Insurance: How can I compare Kin Insurance pricing?

Kin Insurance provides quote-based pricing customized to individual properties and coverage needs. Contact their sales team at 855-717-0022 or use their online quote tool.

Source
NowCerts: What does it actually cost for a five-person agency?

349 US dollars a month on the Business plan covers five users. Add roughly 100 to 300 a month if you want the rating engine, and a one-off 900 dollar onboarding fee.

NowCerts: Does it do carrier download?

Yes, through the industry download infrastructure, but carrier coverage is narrower than Applied or Vertafore systems, so confirm your specific carriers before signing.

NowCerts: Can it replace Applied Epic?

For small personal lines and light commercial agencies, generally yes. For agencies with heavy commercial schedules or trust accounting requirements, generally no.

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