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Insurance · head to head

CoverWallet vs NowCerts

C

CoverWallet

Insurance

Business insurance management platform

From
Free
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

  • Only CoverWallet has a free tier, so it costs nothing to try first.
  • Each has a real cost: CoverWallet no pricing information is published; redirects to AON Affinity.; 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.
  • They diverge on capability: CoverWallet covers Quote comparison, NowCerts covers Policy and client management.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which CoverWallet and NowCerts actually diverge.

Attributes where CoverWallet and NowCerts differ
AttributeCoverWalletNowCerts
Starting priceFree$99/month
Pricing modeltransactionPer month by seat band
Free tierYesNo
Founded2011Unknown

Identical on both: platforms (Web, Ios, Android), 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 CoverWallet

  • Quote comparison
  • Expert guidance
  • Online binding
  • Policy management
  • Renewal reminders
  • 24/7 support
  • Mobile app
  • Claims support

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.

CoverWallet

  • Insurance comparisonnot NowCerts

NowCerts

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

Where each one falls short

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

CoverWallet

  • No pricing information is published; redirects to AON Affinity.

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

CoverWallet

Free
  • Free AccessFree
    • Quote comparison
    • Expert advice
    • Online binding

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 CoverWallet if

  • You need quote comparison.
  • You want to start without paying.
  • You work on Web, Ios, Android.
  • You also want expert guidance.
CoverWallet 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 CoverWallet or NowCerts better?
Neither clearly leads. CoverWallet starts at Free and NowCerts at $99/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, CoverWallet or NowCerts?
CoverWallet has a free tier; the other does not. Paid plans start at Free for CoverWallet and $99/month for NowCerts.
Does CoverWallet or NowCerts run on more platforms?
CoverWallet runs on Web, Ios, Android. NowCerts runs on Web, iOS, Android.
Can I use CoverWallet for free?
Yes. CoverWallet has a free tier, so you can try it without paying. NowCerts starts at $99/month.
What is CoverWallet best used for?
CoverWallet is most often used for insurance comparison. Of those, insurance comparison is not what NowCerts is typically brought in for.
What can CoverWallet do that NowCerts cannot?
CoverWallet covers Quote comparison, Expert guidance, Online binding, Policy management. NowCerts covers Policy and client management, ACORD forms and certificates, Commission reconciliation, Insured self-service portal.

Answered from the vendors’ own pages

CoverWallet: How much does Coverwallet cost?

Coverwallet does not publish pricing online. The service uses a quote-based pricing model. Customers receive personalized quotes by contacting a personal advisor at (646) 844-9933 or requesting a quote online.

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.

CoverWallet: What is Coverwallet's pricing model?

Coverwallet uses a custom, quote-based pricing model tailored to individual business needs and circumstances. Pricing is determined through direct consultation with an advisor rather than published rate cards.

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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