Liberty Home Guard vs. Cinch Home Services

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Cinch Home Services and Liberty Home Guard

What is the difference between Liberty Home Guard and Cinch Home Services?

Finding the right home warranty company to trust with your money and house appliances and systems is never easy. In this guide, we compare Liberty Home Guard and Cinch Home Services on price, coverage levels, flexibility, claims support and policy terms so you’re another step closer to getting covered.


liberty home guard logocinch home services logo
Monthly premium cost$64.99 to $74.99$30.99 to $93.99
Average cost for combo plan$74.99 (Total Home Guard)$50 to $62
Annual premium cost$624.99 to $749.99$335.88 to $743.88
Service call fee$125$100, $125 or $150
Discounts availableOne month free for each year of contract if paid upfront (up to 5 months free for 5-year contract)Not listed
liberty home guard logo$64.99 to $74.99$74.99 (Total Home Guard)$624.99 to $749.99$125One month free for each year of contract if paid upfront (up to 5 months free for 5-year contract)
cinch home services logo$30.99 to $93.99$50 to $62$335.88 to $743.88$100, $125 or $150Not listed


liberty home guard logocinch home services logo
Plans availableAppliance Guard, Systems Guard, Total Home GuardAppliances plan, Built-in Systems plan, Complete Home plan
Covered systems810
Covered appliances712
Combo plan covered items1522
Service recall period60-day workmanship warranty180-day workmanship guarantee
Availability45 states48 states
liberty home guard logoAppliance Guard, Systems Guard, Total Home Guard871560-day workmanship warranty45 states
cinch home services logoAppliances plan, Built-in Systems plan, Complete Home plan101222180-day workmanship guarantee48 states

Appliances coverage

liberty home guard logocinch home services logo
Built-in food centers
Built-in microwaves
Clothes dryers
Clothes washers
Ice makerAdd-on
Instant hot/cold water dispensersAdd-on
Ranges, ovens and cooktops
Trash compactorsAdd-on
Water sensors
Whirlpool bathtub
liberty home guard logoAdd-onAdd-onAdd-on
cinch home services logo

Systems coverage

liberty home guard logocinch home services logo
Air conditioning
Ceiling fans
Central vacuumsAdd-on
Garage door openers
Garbage disposals
Smoke detectors
Water heaters
liberty home guard logoAdd-on
cinch home services logo

Other coverage

liberty home guard logocinch home services logo
Guest unit
Roof leak repairsAdd-on
Second refrigeratorAdd-on
Septic pumpAdd-onAdd-on
Stand-alone freezerAdd-on
Well pumpAdd-onAdd-on
liberty home guard logoAdd-onAdd-onAdd-onAdd-onAdd-onAdd-onAdd-on
cinch home services logoAdd-onAdd-onAdd-onAdd-on

Reputation on ConsumerAffairs

liberty home guard logocinch home services logo
Overall star rating4.44.1
Verified customer reviewsRead reviewsRead reviews
liberty home guard logo4.4Read 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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    Liberty Home Guard

    Liberty Home Guard sells three home warranty plans, with prices starting at less than $64.99 per month. There are discounts for homeowners who sign a longer contract, like five months free when you sign up for five years. Customers are each assigned a dedicated account manager, who helps them manage their claims and provides support.

    Liberty Home Guard’s thousands of contractors are all licensed and approved by the company’s rigorous vetting process. All work is backed by a 60-day workmanship warranty. Liberty Home Guard is not available in California, Illinois, Washington, Wisconsin or Wyoming.

    Liberty Home Guard plans

    • Appliance Guard: The Appliance Guard plan is designed to protect essential appliances in the home. It covers the washer and dryer, refrigerator, built-in microwave, dishwasher, garbage disposal, range/oven/cooktop, garage door openers and ceiling and exhaust fans.
    • Systems Guard: The Systems Guard plan covers major home systems, including air conditioning, ductwork, electrical system, heating, plumbing and water heaters.
    • Total Home Guard: Total Home Guard combines the Appliance Guard and Systems Guard plans into one cost-effective solution.

    Liberty Home Guard customers can also purchase add-on coverage for dozens of items, including pools and spas, sump pump, well pump, limited roof leaks, light fixtures, gutter cleaning, carpet cleaning and pest control.

    What Liberty Home Guard customers say

    Many Liberty Home Guard customers say the process of submitting a claim and getting service is simple and stress-free. A few say their issues were immediately prioritized for quick service, which made them feel taken care of. While some reviews mention that Liberty Home Guard’s prices aren’t the most affordable and not all claims are approved, many say the speed and helpfulness of its team outweigh the extra cost.

    I'm very satisfied with the plan. We've had three claims and the repair people have been superb. All of them have been first class. I never heard of one of them and when I researched them, they were 45 minutes away. I liked them, so I'm going to start using them for other services. … The quality was very good.”

    Kelli of Carthage, NC

    Cinch Home Services

    Cinch Home Service provides customers with a technology-centered approach to their home warranty. Homeowners use the digital dashboard to access their plan and file a claim. Cinch offers three straightforward plan options, with pricing starting at $30.99 per month.

    Cinch plans cover unknown preexisting conditions, rust and corrosion, and repairs are guaranteed for 180 days. The company has over 40 years of experience and nearly 1 million customers, according to its website.

    Cinch Home Services plans

    • Appliances: Cinch Home Services’ Appliances plan covers your washer and dryer, built-in food centers, cooktops, free-standing ice makers, built-in microwaves, ranges and exhaust hoods, refrigerators, trash compactors and wall ovens.
    • Built-in Systems: The Built-in Systems plan offers coverage for major household systems, including air conditioning (including ductwork), attic fans, ceiling fans, central vacuums, doorbells, electrical system, garage door openers, garbage disposals, heating system (including ductwork), instant hot/cold water dispenser, plumbing system, smoke detectors, sump pump, toilets, water heater and jetted tub (built-in). You also get a water sensor and a credit toward an air conditioner filter or water filter.
    • Complete Home: A Cinch Complete Home plan covers everything in the first two plans, plus a homeowners insurance deductible reimbursement. This benefit reimburses homeowners $500 when they have to pay a covered homeowners insurance claim. It is available to use once per year.

    What Cinch Home Services customers say

    Cinch Home Services customers say that the process to submit a claim is simple and the response rate is fairly quick. Although some customers have had frustrating experiences and felt that customer service was unhelpful, others say they could count on Cinch when they needed service. One customer said it was as “easy as pie” to get help for their claim.

    I accidentally dropped a penny down our garbage disposer and it got stuck there. The tech got it out and the disposer was fine. I'm very satisfied with Cinch's service. Last fall, we had maintenance done on our furnace. It's a bit of a distance for the people working on it to come up for us. But they come and they're very polite.”

    David of Middlefield, OH

    Bottom line: Liberty Home Guard or Cinch Home Services?

    Both Liberty Home Guard and Cinch Home Services offer similar home warranty plans, covering appliances, systems or both. The big difference between the two is cost: Liberty Home Guard’s plans have higher prices, but Cinch Home Services plans offer extras like a water sensor, a filter credit and a homeowners insurance deductible reimbursement. Liberty Home Guard also has more add-on coverage options.

    • Liberty Home Guard is best for homeowners who need add-on coverage for items not included in most standard plans.
    • Cinch Home Services is best for budget-minded homeowners who want service fee options.
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