ServicePlus Home Warranty vs. Cinch Home Services
Compare coverage, cost and reviews
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ServicePlus Home Warranty versus Cinch Home Services — which is right for you? We compare the two companies side by side based on coverage plans, costs, service call fees, available optional coverages, contractor networks and customer reviews to help you make a well-informed decision.
ServicePlus Home Warranty vs. Cinch Home Services cost
When comparing costs, Cinch Home Services has a lower potential service fee, the amount paid when a technician visits. However, Cinch Home Services's monthly premiums start at a lower price point for its basic plans. For customers seeking the most comprehensive coverage, Cinch Home Services offers a more affordable top-tier plan.
ServicePlus Home Warranty plans and pricing
ServicePlus Home Warranty’s two plans always have a $75 service fee, which is your out-of-pocket expense when you file a claim. You can get a discounted rate if you opt to pay annually rather than monthly:
- Gold plan: $849 per year
- Platinum plan: $999 per year
| Service fee | Gold | Platinum |
|---|---|---|
| $75 | $87.42 | $99.92 |
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.
ServicePlus Home Warranty vs. Cinch Home Services coverage
The main coverage difference between these companies is how they structure their basic plans. Cinch Home Services allows you to choose between plans that cover only systems or only appliances. ServicePlus Home Warranty, in contrast, provides comprehensive combo plans from the outset. This gives Cinch more flexibility at the entry level.
 |  | |
| 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 | | |
ServicePlus Home Warranty vs. Cinch Home Services add-ons
When comparing optional add-ons Cinch Home Services offers unique coverage for its premier upgrade package. ServicePlus Home Warranty provides a more standard list of extras including septic system coverage. They both offer common options like pool and spa coverage and well pumps.
ServicePlus Home Warranty add-ons
You can cover up to 20 additional items with ServicePlus Home Warranty’s add-on options. Here are the monthly costs for some of the most popular add-ons:
| Optional coverage | Monthly cost |
|---|---|
| Sump pump | $2.08 |
| Central vacuum | $2.08 |
| Second refrigerator | $2.92 |
| Stand-alone freezer | $2.92 |
| Roof leak repair | $4.17 |
| Septic tank pumping | $5 |
| Well pump | $6.25 |
| Guest unit | $12.50 |
| Spa | $12.50 |
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 ServicePlus Home Warranty customers say
In reviews, customers call company representatives knowledgeable and helpful. Some mention lower prices than other home warranty companies offer and that repairs were well-handled by technicians. Others experienced long wait times on hold when filing claims and unexpectedly denied claims on items they thought were covered.
(ServicePlus Home Warranty) was offering a good package price and the initial co-payment was affordable for the same coverage that some of the other companies were offering.”
– Shannon of Chesapeake, VA
What Cinch Home Services customers say
Reviewers say Cinch Home Services uses professional technicians, and many are satisfied with repairs on their broken-down appliances and systems. They mention prompt service and fair prices for service contracts. Some customers were disappointed by delayed responses and limited coverage. Overall, Cinch has good reviews on ConsumerAffairs.
It's important to have Cinch. Even though I pay whatever a month for that particular warranty, at the end of the day if my AC or my hot water heater goes out, it’s covered.”
– Roger of Jacksonville, FL
Bottom line: ServicePlus Home Warranty or Cinch Home Services?
ServicesPlus Home Warranty and Cinch Home Services are options for homeowners in most states. ServicePlus covers both appliances and systems in both of its plans, while Cinch offers separate plans for appliances and systems and a combo plan covering both. Cinch has the longer workmanship guarantee and lower starting prices, but its service call fee is higher. ServicePlus’s list of optional coverages is more extensive, but both companies include a 30-day money-back guarantee.
- ServicePlus Home Warranty is best for homeowners who want to protect appliances and systems and choose from a long list of optional coverages.
- Cinch Home Services is best for those who have more than one of the same appliance, who want a longer repair guarantee or who want coverage for unknown preexisting conditions.
