Warranta.
Warranta/Head-to-head/Cinch Home Services vs Select Home Warranty
Row of suburban homes, late afternoon
Cinch Home Services
3.9/5

“Homeowners who want a high total limit and value-added perks and accept a higher deductible.”

Photo · Phil Hearing / Unsplash
Workshop tools on a wooden bench
Select Home Warranty
3.4/5

“Buyers who want bundled roof-leak coverage and accept tighter payout limits.”

Photo · Curology / Unsplash
vs
Head-to-headNo paid placement

Cinch Home Services vs Select Home Warranty

Picture the worst repair year you can have. Cinch caps it at $10,000 per agreement term and up to $2,000 per covered appliance, and its complaints cluster on scheduling rather than denials, in exchange for a $100 to $150 deductible. Select's edge is bundled roof-leak coverage, but Warranta could not verify its caps or service fee, and a 2.9 claims score makes it the wrong call when a large failure is the scenario you are insuring.

§ 01Round by roundsourced ratings · /5 scale
The Warranta verdict

Picture the worst repair year you can have. Cinch caps it at $10,000 per agreement term and up to $2,000 per covered appliance, and its complaints cluster on scheduling rather than denials, in exchange for a $100 to $150 deductible. Select's edge is bundled roof-leak coverage, but Warranta could not verify its caps or service fee, and a 2.9 claims score makes it the wrong call when a large failure is the scenario you are insuring.

Round by round · 11 criteriaSourced ratings
Criterion
Cinch Home Services
Select Home Warranty
Tradeoff
Overall3.9Wins3.4—
Pricing3.64.4Wins—
Coverage4.1Wins3.3—
Claims process3.7Wins2.9—
Customer service3.8Wins3.0—
Contractor network4.0Wins3.2—
PricingTieTieCinch charges a $100 to $150 deductible; Select publishes no service fee Warranta could verify, and neither publishes a monthly price, so compare quotes. Confirm the service fee in the contract before you buy.
Annual capsTieTieCinch caps each covered appliance at $2,000 on its Repair + Replace plans and all claims together at $10,000 per agreement term. Warranta could not verify Select's caps against a live published source, so the two cannot be compared.
Claims experienceWinsWins—Cinch's claims sub-score is 3.7 with complaints on parts and scheduling delays; Select's is 2.9 with documented advertised-versus-contract disputes.
Customer sentimentWinsWins—Cinch's overall 3.9 leads Select's 3.4, with Cinch ahead on the claims and customer-service sub-scores.
Coverage perksTieTieSelect bundles free roof-leak coverage Cinch does not offer; Cinch adds a homeowner-insurance deductible reimbursement and sensor perks on some plans.
Cinch Home Services
Wins
3.9
Overall
Select Home Warranty
3.4
Overall
Sources
§ 02Who wins for youby what you weight most
If
“Claims experience matters most”

Cinch's claims sub-score is 3.7 with complaints on parts and scheduling delays; Select's is 2.9 with documented advertised-versus-contract disputes.

EdgeCinch Home Services
If
“Customer sentiment matters most”

Cinch's overall 3.9 leads Select's 3.4, with Cinch ahead on the claims and customer-service sub-scores.

EdgeCinch Home Services
If
“Pricing matters most”

Cinch charges a $100 to $150 deductible; Select publishes no service fee Warranta could verify, and neither publishes a monthly price, so compare quotes. Confirm the service fee in the contract before you buy.

Evenly matchedToo close to call
If
“Annual caps matters most”

Cinch caps each covered appliance at $2,000 on its Repair + Replace plans and all claims together at $10,000 per agreement term. Warranta could not verify Select's caps against a live published source, so the two cannot be compared.

Evenly matchedToo close to call

Across 5 rounds, Cinch Home Services takes more than it loses, but the right pick still turns on which of these criteria you weight. See the verdict above.

§ 03The figures, side by sidefrom each provider’s plan pages + contract
Cinch Home Services
At a glance
Service fee range
Deductible of $100 to $150, chosen at enrollment
Across plan tiers
Coverage caps
$10,000 total per agreement term; up to $1,000 (Repair Only) or $2,000 (Repair + Replace, Premier) per covered appliance
Per agreement term
Waiting period
30 days from purchase before you can request service
Before claims are eligible
Eligibility notes
Items covered regardless of age; only pre-existing conditions known at the time of coverage are excluded
Home age / pre-existing
Select Home Warranty
At a glance
Waiting period
Not confirmed; check the plan contract for when coverage starts
Before claims are eligible
Eligibility notes
No home-age limit; pre-existing conditions excluded
Home age / pre-existing
Cinch Home Services
3.9/5

“Homeowners who want a high total limit and value-added perks and accept a higher deductible.”

Select Home Warranty
3.4/5

“Buyers who want bundled roof-leak coverage and accept tighter payout limits.”

Round winners and the use-case cards above reconcile against Warranta’s rating methodology. Scores are on a 5-point scale.

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