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Choice Home Warranty vs. Cinch Home Warranty

Choice Home Warranty and Cinch Home Services

What is the difference between Choice Home Warranty and Cinch Home Services?

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.

Cost

choice home warranty logocinch home services logo
Monthly premium cost$46.83 to $54.75$27.99 to $61.99
Average cost for combo plan$54.75 (Total plan)$50 to $62
Annual premium cost$532 to $627 (for 13 months)$335.88 to $743.88
Service call fee$85$100, $125 or $150
Discounts availableDiscounts for paying annually; free 13th monthNot listed
choice home warranty logo$46.83 to $54.75$54.75 (Total plan)$532 to $627 (for 13 months)$85Discounts for paying annually; free 13th month
cinch home services logo$27.99 to $61.99$50 to $62$335.88 to $743.88$100, $125 or $150Not listed

Plans

choice home warranty logocinch home services logo
Plans availableBasic, TotalAppliances plan, Built-in Systems plan, Complete Home plan
Covered systems810
Covered appliances812
Combo plan covered items1622
Service recall period30 days for labor; 90 days for parts180-day workmanship guarantee
Availability48 states48 states
choice home warranty logoBasic, Total881630 days for labor; 90 days for parts48 states
cinch home services logoAppliances plan, Built-in Systems plan, Complete Home plan101222180-day workmanship guarantee48 states

Appliances coverage

choice home warranty logocinch home services logo
Built-in food centers
Built-in microwaves
Clothes dryers
Clothes washers
Dishwashers
Ice maker
Instant hot/cold water dispensers
Ranges, ovens and cooktops
Refrigerators
Trash compactors
Water sensors
Whirlpool bathtub
choice home warranty logo
cinch home services logo

Systems coverage

choice home warranty logocinch home services logo
Air conditioning
Ceiling fans
Central vacuumsAdd-on
Doorbells
Ductwork
Electrical
Garage door openers
Garbage disposals
Heating
Plumbing
Smoke detectors
Water heaters
choice home warranty logoAdd-on
cinch home services logo

Other coverage

choice home warranty logocinch home services logo
Guest unitAdd-on
PoolsAdd-onAdd-on
Roof leak repairsAdd-on
Second refrigeratorAdd-on
Septic pumpAdd-onAdd-on
SpasAdd-onAdd-on
Stand-alone freezerAdd-on
Well pumpAdd-onAdd-on
choice home warranty logoAdd-onAdd-onAdd-onAdd-onAdd-onAdd-onAdd-onAdd-on
cinch home services logoAdd-onAdd-onAdd-onAdd-on

Reputation on ConsumerAffairs

choice home warranty logocinch home services logo
Overall star rating4.04.1
Verified customer reviewsRead reviewsRead reviews
choice home warranty logo4.0Read reviews
cinch home services logo4.1Read reviews

All prices are based on a quote for a house of less than 5,000 square feet in Austin, Texas. All information is accurate as of publishing.

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    Choice Home Warranty

    Choice Home Warranty offers two home warranty plans, which usually last one year. You can make a claim 24/7 using the online account center or by calling, then you'll pay an $85 service call fee to the contractor who visits your home to diagnose the issue. Coverage is available in all states except Washington and California. Choice Home Warranty has covered over 1 million homes in the U.S. and handled more than 4 million service requests, according to its website.

    Choice Home Warranty plans

    • Basic plan: The Basic plan covers both systems and appliances, including the heating, electrical and plumbing systems, plumbing stoppages, water heater, oven, range, stove, cooktop, dishwasher, garbage disposal, built-in microwave, ductwork, whirlpool bathtub, garage door opener and ceiling and exhaust fans.
    • Total Plan: The Total plan is the more comprehensive plan from Choice Home Warranty. It covers everything in the Basic plan, plus the air conditioning system, a refrigerator and a washer and dryer.
    • Add-ons: Customers can add on coverage for a central vacuum, pool and spa, well pump, second refrigerator, stand-alone freezer, limited roof leak, septic system, septic tank pumping and sump pump.

    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.”

    Carol of Huntsville, AL

    Cinch Home Services

    Cinch Home Services has plans that cover appliances only, systems only or both, with multiple service call fee options. Each plan comes with coverage for unknown preexisting conditions, a lengthy 180-day workmanship guarantee, a water sensor to detect leaks and an air conditioner or water filter credit. You can make a claim by phone or by using the online digital dashboard at any time. Cinch has nearly 1 million customers and responds to over a million service requests each year, according to its website.

    Cinch Home Services plans

    • Built-in Systems plan: The Built-in Systems plan covers air conditioning (including ductwork), heating system (including ductwork), electrical system, plumbing system, toilets, water heater, garbage disposals, instant hot/cold water dispenser, smoke detectors, sump pump, built-in whirlpool/jetted tub, attic fans, ceiling fans, central vacuums, doorbells and garage door openers.
    • Appliances plan: The Appliances plan covers your washer and dryer, dishwashers, cooktops, ranges, range exhaust hoods, refrigerators, wall ovens, built-in food centers, built-in microwaves, free-standing ice makers and built-in trash compactors.
    • Complete Home plan: The Complete Home plan combines all coverages in the Built-in Systems and Appliances plans and adds a homeowners insurance deductible reimbursement of up to $500 on one covered claim.
    • Add-ons: Cinch Home Services offers add-on coverage for a pool and spa, a septic system and a well pump, plus a Premier Upgrade Package, which provides more benefits on a covered claim.

    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. I paid the $75 deductible and then the parts, everything else was covered by Cinch. The techs were also really good.”

    Peter of Oviedo, FL

    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. Each provider has an average rating of 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.
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    The ConsumerAffairs Research Team believes everyone deserves to make smart decisions. We aim to provide readers with the most up-to-date information available about today's consumer products and services.