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

“Homeowners who want higher aggregate limits and value-added perks and accept a higher service fee.”

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

“Price-first buyers who want the lowest monthly cost and value bundled roof-leak coverage.”

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 is built for it, with up-to-$10,000/yr aggregate limits on Complete Home and complaints that cluster on scheduling rather than denials, in exchange for a $100 to $150 fee. Select wins only the monthly-cost line, with $60 to $75 fees and bundled roof-leak coverage. Its $1,500 HVAC sub-cap and a 2.9 claims score make 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 is built for it, with up-to-$10,000/yr aggregate limits on Complete Home and complaints that cluster on scheduling rather than denials, in exchange for a $100 to $150 fee. Select wins only the monthly-cost line, with $60 to $75 fees and bundled roof-leak coverage. Its $1,500 HVAC sub-cap and a 2.9 claims score make it the wrong call when a large failure is the scenario you are insuring.

Round by round · 11 criteriaSourced ratings
Criterion
Cinch Home Services
BBB B · 1978
Select Home Warranty
BBB B- · 2012
Tradeoff
Overall3.9Wins3.4—
Pricing3.64.4Wins—
Coverage4.1Wins3.3—
Claims process3.7Wins2.9—
Customer service3.8Wins3.0—
Contractor network4.0Wins3.2—
Pricing—WinsWinsSelect's $44 to $60/mo and $60 to $75 fee undercut Cinch's $39 to $72/mo with a $100 to $150 fee.
Annual capsWinsWins—Cinch's up-to-$10,000/yr aggregate on Complete Home dwarfs Select's $3,000/yr per-item cap and $1,500 HVAC sub-cap.
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 and B BBB rating lead Select's 3.4 overall and B-minus rating.
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
BBB B · 1978
Wins
3.9
Overall
Select Home Warranty
BBB B- · 2012
3.4
Overall
§ 02Who wins for youby what you weight most
If
“Pricing matters most”

Select's $44 to $60/mo and $60 to $75 fee undercut Cinch's $39 to $72/mo with a $100 to $150 fee.

EdgeSelect Home Warranty
If
“Annual caps matters most”

Cinch's up-to-$10,000/yr aggregate on Complete Home dwarfs Select's $3,000/yr per-item cap and $1,500 HVAC sub-cap.

EdgeCinch Home Services
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 and B BBB rating lead Select's 3.4 overall and B-minus rating.

EdgeCinch Home Services

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
Monthly premium
$39–$72/mo depending on plan tier
Range across tiers
Service fee options
$100$125$150
Per visit, paid to tech
Service fee range
$100, $125, or $150 selectable service-call fee
Across plan tiers
Annual coverage limit
Up to $10,000/yr aggregate on Complete Home
Resets each contract year
Waiting period
30-day waiting period for new plans
Before claims are eligible
Eligibility notes
No home-age limit; pre-existing conditions excluded
Home age / pre-existing
Available in
8 states (VA, TX, FL, NC, CO, CA…)
Excludes territories
Select Home Warranty
At a glance
Monthly premium
$44–$60/mo depending on plan
Range across tiers
Service fee options
$60$75
Per visit, paid to tech
Service fee range
$60–$75 service-call fee
Across plan tiers
Annual coverage limit
$3,000/yr per covered item; HVAC capped at $1,500/yr
Resets each contract year
Waiting period
30-day waiting period for new plans
Before claims are eligible
Eligibility notes
No home-age limit; pre-existing conditions excluded
Home age / pre-existing
Available in
8 states (TX, FL, NC, CO, GA, PA…)
Excludes territories
Cinch Home Services
3.9/5 · BBB B

“Homeowners who want higher aggregate limits and value-added perks and accept a higher service fee.”

See a quote
FTC ↘Warranta earns a commission when you buy a plan through links on this page. This does not affect our editorial analysis or the price you pay. Disclosure policy
Select Home Warranty
3.4/5 · BBB B-

“Price-first buyers who want the lowest monthly cost and value bundled roof-leak coverage.”

See a quote
FTC ↘Warranta earns a commission when you buy a plan through links on this page. This does not affect our editorial analysis or the price you pay. Disclosure policy

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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