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Cinch Home Services vs. HSA Home Warranty

Compare coverage, cost and reviews

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Written by Matt Zane
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Edited by Jon Bortin

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Personalized home warranties from multiple providers

Cinch Home Services and HSA Home Warranty are two major home warranty companies. Both offer comprehensive coverage plans designed to safeguard your home's essential systems and appliances.

Cinch Home Services offers lower pricing, even on its premium plans. Whether you’re looking at basic or comprehensive coverage, the prices at Cinch are lower.

We recommend HSA Home Warranty to buyers who want more extensive coverage. For those facing potentially expensive unexpected repairs, HSA provides higher coverage limits, potentially reducing out-of-pocket costs.

Cinch Home Services vs. HSA Home Warranty 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 HSA Home Warranty 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.

HSA Home Warranty pricing

HSA Home Warranty’s two plans have just one service fee option: $100. Additionally, there is no option to pay monthly for an HSA Home Warranty plan — you must pay for a year of coverage upfront.

*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. HSA Home Warranty coverage

Cinch Home Services and HSA Home Warranty 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.

HSA Home Warranty offers two combo plans that each offer varying levels of coverage for systems and appliances in your home.

Cinch Home Services vs. HSA Home Warranty add-ons

Cinch Home Services and HSA Home Warranty 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:

HSA Home Warranty add-ons

HSA Home Warranty allows you to include up to 10 add-ons in your coverage. The monthly cost of popular add-ons is listed below:

Cinch Home Services vs. HSA Home Warranty 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 HSA Home Warranty 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.

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