# NCFBINS vs Alcova

The clearest difference is rating: Alcova at 4.3 against NCFBINS's 2.4. NCFBINS's advantage is ratings volume (80 vs 6) and iOS requirement (15.0 vs 18.0). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Alcova holds the better App Store score, 4.3 against 2.4. That said, the two scores are not equally well evidenced: NCFBINS has 80 ratings behind it against 6, so its average is the more settled of the two.

Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on August 5, 2026 and September 11, 2026 respectively.

## The numbers

| Metric | NCFBINS | Alcova |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.4 (80 ratings)](https://appshunter.io/ios/app/ncfbins/id967263175/reviews) | **[4.3 (6 ratings)](https://appshunter.io/ios/app/alcova/id6444870852/reviews)** |
| Number of ratings | **80** | 6 |
| Positive reviews | 15.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | Every 2 months |
| Monetization | Free | Free |
| Size | 47 MB | 93 MB |
| Requires iOS | **15.0** | 18.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [North Carolina Farm Bureau Mutual Insurance Company](https://appshunter.io/developer/967263174) | [ALCOVA Mortgage LLC](https://appshunter.io/developer/1450023473) |

## What reviewers say

### NCFBINS

[App page](https://appshunter.io/ios/app/ncfbins/id967263175)

Manage your N.C. Farm Bureau Insurance policies conveniently from your mobile device. Access policy details, make payments, report claims, and connect with your agent. View and save your insurance cards for easy access.

**Highlights:** Access policy information, Make payments, Report claims, View insurance cards, Contact agent

**Features:** Vision Pro support

**In-app purchases:** none


### Alcova

[App page](https://appshunter.io/ios/app/alcova/id6444870852)

This app simplifies the mortgage process by allowing users to apply for loans, track progress, and access important documents. It provides tools to calculate mortgage options and securely upload necessary paperwork. Users can also easily connect with their loan officer and real estate agent.

**Highlights:** Apply for a loan, Access pre-approval letters, Track loan progress, Calculate mortgage options, Secure document upload, One-click contact

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is NCFBINS free?

NCFBINS is free to download, with no in-app purchases.

### Is Alcova free?

Alcova is free to download, with no in-app purchases.

### Which has better reviews, NCFBINS or Alcova?

Alcova is rated higher. NCFBINS averages 2.4 out of 5 from 80 ratings, while Alcova averages 4.3 from 6 ratings.

### Do NCFBINS or Alcova have ads?

Neither NCFBINS nor Alcova shows ads.

### Which is updated more often, NCFBINS or Alcova?

NCFBINS ships an update every 2 months, and Alcova every 2 months. Most recently, NCFBINS was updated on August 5, 2026 and Alcova on September 11, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*