Choice Home Warranty vs. Cinch Home Services
Compare coverage, cost and reviews
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Home system and appliances breakdowns come at unexpected times and can be expensive to fix. Many homeowners protect themselves with a home warranty, which covers costs for repairs and replacements. Choosing the right company and coverage isn’t easy. We break down two home warranty companies — Choice Home Warranty and Cinch Home Services — side by side to help with your decision.
Choice Home Warranty vs. Cinch Home Services cost
While Cinch Home Services's monthly premiums are lower for basic coverage, Cinch Home Services is also the more economical choice for comprehensive, high-tier plans. Another key cost to consider is the service fee, which is the amount you pay for a technician's visit; Cinch Home Services has a lower entry point for this one-time cost.
Choice Home Warranty plans and pricing
Choice Home Warranty offers two plans, but its service fee is always $100. You can get a discounted rate on either plan by paying annually instead of monthly:
- Basic plan: $560 per year
- Total plan: $660 per year
| Service fee | Basic | Total |
|---|---|---|
| $100 | $49.17 | $57.50 |
Cinch Home Services plans and pricing
You can choose a service fee of $100, $125 or $150 when you sign up with Cinch Home Services. Paying a lower service fee reduces your out-of-pocket expense when making a repair, but increases the monthly cost of your plan.
| Service fee | Repair Only | Repair + Replace | Repair + Replace Premier |
|---|---|---|---|
| $100 | $39.99 | $66.99 | $89.99 |
| $125 | $36.32 | $63.32 | $86.32 |
| $150 | $27.99 | $54.99 | $77.99 |
*Cost information is accurate as of the time of publishing. Price quotes used a Texas ZIP code; pricing may vary in other locations.
Choice Home Warranty vs. Cinch Home Services coverage
Your choice between these two companies may depend on the type of coverage you need upfront. Cinch Home Services provides specialized entry-level options that cover only appliances or only systems. Choice Home Warranty, on the other hand, bundles both systems and appliances into all of its plans, which might be better if you need comprehensive protection from the start.
 |  | |
| Coverage |  |  |
|---|---|---|
| Plan | ||
| Air conditioner | | |
| Heating | | |
| Plumbing | | |
| Electrical | | |
| Ductwork | | |
| Sump pump | | |
| Water heater | | |
| Interior plumbing lines | | |
| Interior electrical lines | | |
| Exterior plumbing lines | | |
| Exterior water lines | | |
| Refrigerator | | |
| Dishwasher | | |
| Oven | | |
| Range | | |
| Cooktop | | |
| Microwave | | |
| Food center | | |
| Garbage disposal | | |
| Trash compactor | | |
| Ice maker | | |
| Hot/cold water dispenser | | |
| Range exhaust hood | | |
| Kitchen exhaust fan | | |
| Clothes washer | | |
| Clothes dryer | | |
| Toilets | | |
| Bathtub/shower | | |
| Faucets | | |
| Ceiling fans | | |
| Attic fans | | |
| Central vacuum | | |
| Doorbells | | |
| Garage door openers | | |
| Roof leak repairs | | |
| Main breaker | | |
| Plumbing stoppages | | |
| Home electronics | | |
| Smoke detectors | | |
| Jetted tub components | | |
Choice Home Warranty vs. Cinch Home Services add-ons
While both companies offer common add-ons like pool and spa coverage their specialty options differ. Choice Home Warranty has a more extensive list with unique coverage for items like septic tank pumping and central vacuums. Cinch Home Service's selection is smaller and sticks to more traditional upgrades.
Choice Home Warranty add-ons
You can choose to include up to 12 add-ons with any Choice Home Warranty plan. Here’s the monthly pricing for these additional coverage items:
| Optional coverage | Monthly cost |
|---|---|
| Ice maker | $2.08 |
| Second refrigerator | $3.33 |
| Stand-alone freezer | $3.33 |
| Sump pump | $3.33 |
| Central vacuum | $3.33 |
| Septic tank pumping | $5.42 |
| Roof leak repair | $5.83 |
| Well pump | $8.33 |
| Sprinkler system | $8.33 |
| Septic system | $10 |
| Pool and spa | $15 |
| Additional spa | $15 |
Cinch Home Services add-ons
Cinch Home Services allows you to choose from six add-ons in addition to the coverage of its base plans. The monthly costs for the most popular items are below:
| Optional coverage | Monthly cost |
|---|---|
| Septic tank and pumping | $4.58 |
| Well pump | $12.50 |
| Premier upgrade package | $12.50 |
| Pool and spa (heater included) | $22 |
What Choice Home Warranty customers say
Overall, customers are happy with the service from Choice Home Warranty. On ConsumerAffairs, customers praise the quick response to claims and the process of getting repairs. Many reviewers note the kind and friendly customer service. Some customers report denied claims, which is why it's so important to read and understand the coverage contract.
"Very professional, friendly. The agent was knowledgeable in that he explained the problem and ordered the parts necessary to keep the air condition working. We are in a very hot season but he was kind enough to give us temporary relief until the proper parts come in. Thank you.”
What Cinch Home Services customers say
Customers rate Cinch Home Services positively on ConsumerAffairs. According to reviews, representatives are friendly, and the technicians the company partners with are professional and kind. Some customers say they’re unhappy with lengthy repair times and how hard it is to get hold of a live representative.
"What was nice is Cinch covers all the appliances and they didn't say they all had to begin on such and such a date. It's debited, so it's painless. $50 a month to keep the policy in effect. But the app itself got to a point that it just didn't go any further. But nonetheless, the appointment got set. ... The techs were also really good.”
Bottom line: Choice Home Warranty or Cinch Home Services?
Choice Home Warranty and Cinch Home Services both offer good options for home warranty coverage. Cinch Home Services has lower starting costs, but it also has higher service call fees, and its lower-end plans cover only appliances or systems. Comprehensive plans are similarly priced at both companies. Choice Home Warranty has more optional coverages. As of publishing, both providers have an average rating of around 4 out of 5 stars on ConsumerAffairs.
- Choice Home Warranty is best for homeowners who want coverage of both systems and appliances and plenty of add-on options.
- Cinch Home Services is best for customers who want an appliance-only or systems-only plan at a relatively low starting price.
