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Liberty Home Guard vs. Cinch Home Services

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Written by Taylor Sansano
Edited by Jon Bortin

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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.

    Cost

    liberty home guard logocinch home services logo
    Monthly premium cost$64.99 to $74.99$27.99 to $61.99
    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$27.99 to $61.99$50 to $62$335.88 to $743.88$100, $125 or $150Not listed

    Plans

    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
    Dishwashers
    Ice makerAdd-on
    Instant hot/cold water dispensersAdd-on
    Ranges, ovens and cooktops
    Refrigerators
    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
    Doorbells
    Ductwork
    Electrical
    Garage door openers
    Garbage disposals
    Heating
    Plumbing
    Smoke detectors
    Water heaters
    liberty home guard logoAdd-on
    cinch home services logo

    Other coverage

    liberty home guard logocinch home services logo
    Guest unit
    PoolsAdd-onAdd-on
    Roof leak repairsAdd-on
    Second refrigeratorAdd-on
    Septic pumpAdd-onAdd-on
    SpasAdd-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 $27.99 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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