Cinch Home Services vs Select Home Warranty
Last updated July 2026
Cinch Home Services
Home warranty with industry-longest 180-day workmanship guarantee
Advantages
- 180-day workmanship guarantee (longest in the industry)
- Three plans: Appliances, Built-in Systems, Complete Home
- Rewards credits for filing fewer claims
- Free water leak sensor with select plans
- Available in most states
Drawbacks
- Coverage caps lower than AHS on comparable tiers ($1,000-$2,000)
- Claims turnaround varies by market
- Monthly cost slightly lower than AHS but service fee typically higher
- Waiting period of 30 days
Select Home Warranty
Low-priced home warranty with basic coverage tiers
Advantages
- One of the cheapest monthly premiums in the industry ($42-$52/mo)
- $75 flat service call fee
- Three plans: Bronze, Gold, Platinum
- Free roof leak coverage on annual plans
- Nationwide coverage in most states
Drawbacks
- Coverage caps materially lower than AHS ($500-$3,000 per item)
- Claim denial rate reported higher than AHS in third-party reviews
- Waiting period of 30 days
- Customer service reviews mixed
Cinch Home Services and Select Home Warranty both play in home warranty plans, but they're aimed at different buyers. Cinch Home Services is built for homeowners who value the 180-day workmanship guarantee and don't need AHS's coverage limits. Select Home Warranty is built for budget-focused homeowners who want the cheapest possible basic breakdown coverage. Which one fits depends on which of those descriptions sounds more like you.
Feature Comparison
| Feature | Cinch Home Services | Select Home Warranty |
|---|---|---|
| Plan Lineup | Appliances, Built-in Systems, Complete Home | Bronze, Gold, Platinum |
| Starting Price | $40-$70/mo typical | $42-$52/mo typical |
| Service Call Fee | $100, $125, or $150 (customer choice) | $75 flat |
| Coverage Limits | $1,000-$2,000 per item depending on plan | $500-$3,000 per item depending on plan |
| Waiting Period | 30 days | 30 days |
| Appliances Covered | Refrigerator, dishwasher, oven, washer/dryer (Complete) | Refrigerator, dishwasher, oven, washer/dryer (Gold/Platinum) |
| Systems Covered | HVAC, plumbing, electrical, water heater | HVAC, plumbing, electrical, water heater |
| Claims Rating | Average; inconsistent by market | Below average, higher reported denial rate |
Cinch Home Services Wins
Cinch Home Services takes it overall (7/10 vs 6/10), but Select Home Warranty is still the sharper pick for budget-focused homeowners who want the cheapest possible basic breakdown coverage.
Cinch Home Services's standout strength: 180-day workmanship guarantee (longest in the industry). Its biggest drawback (coverage caps lower than AHS on comparable tiers ($1,000-$2,000)) is easier to live with than Select Home Warranty's (coverage caps materially lower than AHS ($500-$3,000 per item)). Select Home Warranty isn't out of the running though — its own standout strength is one of the cheapest monthly premiums in the industry ($42-$52/mo). If you fit the profile of budget-focused homeowners who want the cheapest possible basic breakdown coverage, that alone can flip the decision.
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