Liberty Home Guard vs. Cinch Home Services
Compare coverage, cost and reviews
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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 vs. Cinch Home Services cost
Your choice between these providers may come down to budget priorities. If a lower monthly payment for entry-level coverage is most important, Cinch Home Services is the stronger choice. However, for those who want to minimize the one-time service fee for a technician's visit, Liberty Home Guard proves to be the more economical option.
Liberty Home Guard plans and pricing
Service fees from Liberty Home Guard range from $50 to $125. The monthly rates listed below may vary depending on your service fee.
| Service fee | Appliance Guard | Systems Guard | Total Home Guard |
|---|---|---|---|
| $50 to $125 | $49.99 | $54.99 | $59.99 |
Cinch Home Services plans and 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 |
*Cost information is accurate as of the time of publishing. Price quotes used a Texas ZIP code; pricing may vary in other locations.
Liberty Home Guard vs. Cinch Home Services coverage
Liberty Home Guard and Cinch Home Services share a very similar and flexible approach to coverage. Both companies offer separate, specialized plans for customers who want to cover only appliances or only systems. They also both provide comprehensive, all-in-one plans for customers who need everything protected.
 |  | |
| 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 | | |
Liberty Home Guard vs. Cinch Home Services add-ons
Liberty Home Guard provides a much larger selection of optional add-ons with unique coverage for items like guest units, electronics protection and sprinkler systems. Cinch Home Services’ list is shorter. Both companies provide common add-ons for items like a pool and spa.
Liberty Home Guard add-ons
Liberty Home Guard offers coverage for up to 35 add-ons. Below are the prices for the most common items:
| Optional coverage | Monthly cost |
|---|---|
| Ice maker | $3.99 |
| Water line | $4.99 |
| Stand-alone freezer | $5.99 |
| Second refrigerator | $7.99 |
| Sump pump | $8.99 |
| Central vacuum | $8.99 |
| Sprinkler system | $9.99 |
| Hot water dispenser | $9.99 |
| Additional spa | $9.99 |
| Roof leak repair | $11.99 |
| Septic tank | $12.99 |
| Well pump | $12.99 |
| Pool and spa | $19.99 |
| Electronics protection | $19.99 |
| Guest unit | $35.99 |
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 |
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. … The quality was very good.”
– Kelli of Carthage, NC
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'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.
