Cinch Home Services vs. The Home Service Club
Compare coverage, cost and reviews
 |  |
|---|---|
4.0
11,661 reviews
|
1.1
810 reviews
|
| No. of plans:3 | No. of plans:2 |
| Starting cost$38.99 | Starting cost$51.25 |
| Service fee$100, $125 or $150 | Service fee$65-$125 |
+1 more
Cinch Home Services and The Home Service Club are two major home warranty companies. Both offer comprehensive coverage plans designed to safeguard your home's essential systems and appliances.
We recommend Cinch Home Services because it offers a quicker claims process, contacting a service technician within two hours of receiving a claim through its online portal. It also provides a less expensive starting price on its low-tier plan than The Home Service Club.
We recommend The Home Service Club for its comprehensive coverage. Low-tier plans from Cinch separate coverage for appliances and systems, so you might have to opt in to several add-ons or sign up for the premium plan to get basic coverage on common appliances and systems, like air conditioners, washers and dryers.
Cinch Home Services vs. The Home Service Club plans and pricing
Home warranty companies generally offer varying levels of coverage, but how companies separate their plans can be very different. Many companies split up coverage for appliances and systems.
Home warranty plans can be divided into three categories:
- Appliance plans cover common home appliances, including washers, ovens and refrigerators. Most appliance plans do not cover home electronics, including televisions, but some companies offer electronics coverage for an additional cost.
- System plans typically include coverage for your home’s plumbing, electrical and HVAC systems.
- Combo plans cover both systems and appliances, though not all combo plans provide the same level of coverage.
Take a look at what you want your plan to cover. If your appliances are new and covered under a manufacturer’s warranty, you can save money by choosing a plan that only covers your home’s systems.
Pricing for home warranty plans typically depends on your choice of service fee, which is your out-of-pocket cost when filing a claim. Choosing a lower service fee increases the plan's cost. If you don't expect to make many claims, a higher service fee might save you money overall.
Here's a breakdown of the cost of Cinch Home Services and The Home Service Club plans based on the service fee you choose:
Cinch Home Services 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 | Appliances | Built-in Systems | Complete Home |
|---|---|---|---|
| $100 | $48.99 | $55.99 | $66.99 |
| $125 | $47.32 | $52.32 | $63.32 |
| $150 | $38.99 | $43.99 | $54.99 |
The Home Service Club pricing
Service fees from The Home Service Club are $65, $95 or $125, depending on your preference. You can choose a higher service fee in exchange for a lower monthly cost, or vice versa. We were unable to get a quote for a lower service fee; the table below shows your monthly rate with a $125 service fee.
The Home Service Club also offers a discount when you pay annually rather than monthly:
- Standard Coverage plan: $649.95 per year
- Comprehensive Coverage plan: $799.95 per year
| Service fee | Standard Coverage | Comprehensive Coverage |
|---|---|---|
| $125 | $51.25 | $62.50 |
*Cost information is accurate as of the time of publishing. Price quotes used a Texas ZIP code; pricing may vary in other locations.
Cinch Home Services vs. The Home Service Club coverage
Cinch Home Services and The Home Service Club both offer a range of plans designed to protect your home's systems and appliances, but there are some notable differences in their coverage options.
Cinch Home Services offers three plans, and the right one for you depends on whether you want to cover your home’s appliances, systems or both.
The Home Service Club offers two plans, each offering coverage for both systems and appliances in your home.
 |  | |
| 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 | | |
Cinch Home Services vs. The Home Service Club add-ons
Cinch Home Services and The Home Service Club also offer additional coverage options. These add-ons allow you to customize your home warranty coverage, ensuring that your plan includes protection for items that may not be included in the standard packages.
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) | $22.00 |
The Home Service Club add-ons
The Home Service Club offers up to 16 add-ons. Here’s how much you’ll pay monthly for some of the most commonly selected items:
| Optional coverage | Monthly cost |
|---|---|
| Second refrigerator | $5.00 |
| Stand-alone freezer | $5.00 |
| Sprinkler system | $9.58 |
| Well pump | $10.83 |
| Roof leak repair | $16.66 |
| Pool and spa | $16.66 |
Cinch Home Services vs. The Home Service Club reviews and ratings
We looked at thousands of reviews from real home warranty customers. Here’s what home warranty shoppers care about most:
- Technicians: Reviewers often mention the quality of a company’s in-network technicians. This typically relates to how quickly and adequately technicians identify and resolve issues with a home’s systems and appliances.
- Customer service: Being able to reach a representative easily and resolve account issues efficiently are the hallmarks of good customer service. Customer service reviews also frequently mention how knowledgeable and polite the company’s representatives are.
- Claims handling: Reviews about claims handling usually revolve around two things: speed and convenience. When customers complain about a poor claims process, it often relates to a slow response time for home repairs or a complicated system for submitting claims.
- Coverage: Reviewers who discuss coverage typically mention how well a home warranty company honors its contract (in the reviewer’s opinion). A denied claim or an unsatisfactory coverage limit frustrates customers and leads to poor reviews.
Below we break down what percentage of Cinch Home Services and The Home Service Club customer reviews over the last year mentioning one these four important factors reflected a happy or satisfied customer. The closer a company is to a 100% satisfaction rate, the better it is in that area.
| Technicians | Customer service | Claims handling | Coverage | |
|---|---|---|---|---|
| Cinch Home Services | 76% | 63% | 78% | 78% |
| The Home Service Club | 7% | 7% | 7% | 7% |
| Company | Customer rating | Starting cost | Service fee | Plans | Covered systems | Covered appliances | |
|---|---|---|---|---|---|---|---|
 | 3.8 | $29.99 | $100 or $125 | 3 | 14 | 9 | Learn more |
 | 4.0 | $46.83 | $100 | 2 | 9 | 8 | Learn more |
 | 2.6 | $60.42 | $60 or $75 | 3 | 8 | 7 | Learn more |
 | 3.3 | $49.99 | $100 | 3 | 8 | 8 | Learn more |
 | 3.2 | $39.99 | $75 | 2 | 10 | 9 | Learn more |
 | 5.0 | $39.99 | $60 to $100 | 2 | 6 | 13 | Learn more |
 | 2.2 | $30 | $75 or $125 | 4 | 8 | 8 | Learn more |
 | 3.1 | $49.99 | $50 to $125 | 3 | 6 | 9 | Learn more |
 | 4.2 | $42 | $100 or $125 | 3 | 7 | 10 | Learn more |
 | 4.0 | $38.99 | $100, $125 or $150 | 3 | 10 | 12 | Learn more |
 | 4.0 | $50 | $100 or $125 | 3 | 10 | 10 | Learn more |
 | 2.0 | $41.99 | $70 to $150 | 3 | 6 | 12 | Learn more |
