Cinch Home Services vs. Home Warranty of America
Compare coverage, cost and reviews
 |  |
|---|---|
4.0
11,660 reviews
|
1.1
3,975 reviews
|
| No. of plans:3 | No. of plans:2 |
| Starting cost$38.99 | Starting cost$48.33 |
| Service fee$100, $125 or $150 | Service fee$75-$100 |
+1 more
Cinch Home Services and Home Warranty of America are two major home warranty companies. Both offer comprehensive coverage plans designed to safeguard your home's essential systems and appliances.
Cinch Home Services is our recommendation for homeowners on a budget. The company charges slightly less for its premium plan and quite a bit less than Home Warranty of America for its low-tier plan.
Home Warranty of America is the better choice for buyers who need to replace their appliances soon. Coverage caps on most appliances are higher at HWA. The company also offers an add-on plan that covers energy-efficiency upgrades on appliances.
Cinch Home Services vs. Home Warranty of America 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 Home Warranty of America 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 |
Home Warranty of America pricing
You can select a service fee of $75 or $100 from Home Warranty of America. The monthly pricing in the plans below is based on a $100 service fee — we were unable to get a quote for the lower service fee, but we assume it’s a higher monthly rate.
Home Warranty of America offers a discount when you pay annually rather than monthly:
- Premier plan: $550.00 per year
- Premier Plus plan: $700.00 per year
| Service fee | Premier | Premier Plus |
|---|---|---|
| $100 | $48.33 | $60.84 |
*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. Home Warranty of America coverage
Cinch Home Services and Home Warranty of America 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.
Home Warranty of America 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. Home Warranty of America add-ons
Cinch Home Services and Home Warranty of America 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 |
Home Warranty of America add-ons
You can choose up to 10 add-ons to customize your plan with Home Warranty of America. Some of the most popular add-ons’ monthly costs are listed below:
| Optional coverage | Monthly cost |
|---|---|
| Stand-alone freezer | $3.00 |
| Septic tank pumping | $4.54 |
| Septic system | $5.31 |
| Well pump | $6.08 |
| Second refrigerator | $7.62 |
| Pool and spa | $19.15 |
Cinch Home Services vs. Home Warranty of America 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 Home Warranty of America 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% |
| Home Warranty of America | 12% | 5% | 12% | 12% |
| 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 |
 | 2.5 | $60.42 | $60 or $75 | 3 | 8 | 7 | Learn more |
 | 3.4 | $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 |
 | 2.3 | $30 | $75 or $125 | 4 | 8 | 8 | Learn more |
 | 3.2 | $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 |
