Choice Home Warranty vs. Cinch Home Services cost
While Cinch Home Services' monthly premiums are lower for basic coverage, Choice Home Warranty is 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
| Basic | Total | |
|---|---|---|
| $100 service fee | $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
Both Choice Home Warranty and Cinch Home Services include appliances and systems in all their plans; neither has a systems-only or appliances-only plan.
So your decision may come down to which systems or appliances in your household are the most likely to fail due to age or other factors. Since both companies cover the majority of common appliances, fixtures and systems, it may require a careful look at each company’s coverage agreements to see which one offers the highest payout limits for your most vulnerable systems and appliances.
 |  | |
| Coverage |  |  |
|---|---|---|
| Plan | ||
| Air conditioner | | |
| Heating | | |
| Plumbing | | |
| Electrical | | |
| Ductwork | | |
| Sump pump | | |
| Water heater | | |
| Interior plumbing lines | | |
| Interior electrical 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 | | |
| 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 important to read and understand the coverage contract.
“The entire process was so easy and very quick. The technician was very knowledgeable and knew what the problem was right away. It was fixed within the hour of the technician visit. The technician was extremely professional and nice.”
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.
“I’ve done two claims with Cinch so far, and it’s been a very good experience. The technicians were very good. One technician wanted me to give him a review. However, they said a $200 deductible, but that's a $200 deductible for every appliance there is. That's very misleading. But that’s the only issue we had with them. Their customer service has been very good and very on top of it.”
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 repair but not replacement. 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. For some customers, the choice may come down to location; both companies serve most of the U.S., but each has certain states where they don’t operate.
- Choice Home Warranty is best for homeowners who want plenty of add-on options. Its plans are not available in Washington state or Washington, D.C.
- Cinch Home Services is best for customers who want a relatively low starting price. It does not cover residents of Alaska or Hawaii.
