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What They All Have:

30 Day waiting period
Have maximum coverage caps per item
Structural damage is not covered

Choice Home Warranty

- Quick Service
- Claims Handled Fast
- Broad Coverage
- Freedom To Use Preferred Repair Professional
American Home Shield

- Covers Older Items
- Highly Rated
- Covers Improper Installation
- High Total Coverage Limits
Liberty Home Guard

- Diverse Add-On Options
- 60 Day Workmanship Guarantee
- High Customer Service Ratings
- Customized Coverage
Select Home Warranty

- Budget Friendly
- Includes Roof Leaks
- Easy
- A+ BBB Rating
Cinch

- 180 Days Workmanship Guarantee
- Strong Appliance Coverage
- Extensive Protection
- Good for Older Homes

- Founded in 1971 by Richard Kerr
- Headquarters is in Memphis, Tennessee
- Parent Company is Frontdoor, Inc.
- Considered the original home warranty company
Shield Silver Plan ( Systems Only)
- Heating
- Air Conditioning
- Electrical System
- Plumbing System
- Water Heaters
- Ductwork
Shield Gold Plan ( Systems + Some Appliances)
- Everything in Silver Plan
- Refrigerator
- Oven / range / cooktop
- Dishwasher
- Built-in microwave
- Clothes washer
- Clothes dryer
- Garbage disposal
Shield Platinum Plan ( Most Comprehensive)
- Covers Everything in Gold Plan
- Higher Coverage Limits
- Roof leak repair coverage (limited)
- One free HVAC tune-up per year
- Code violation coverage
- Permit coverage
- Disposal / removal coverage upgrades
Optional Add-On Coverage (Available With Any Plan)
- Pool or spa
- Well pump
- Septic pump
- Guest unit
- Electronics protection plan
- Roof leak coverage (if not included in plan)
- Water softener
- Additional refrigerators
- Standalone freezer
- Coverage Limits & Caps
- They pick the contractor not you
- Claims process is slow
- Higher Price than Competitors
Overall, American Home Shield is a well known, reliable company. Like every company, they have coverage limits but they do have higher total coverage limits than most competitors.

American Home Shield

- Founded in 2008
- Headquarters in Edison, NJ
- $85-$125 Per Service Call
- Budget Friendly
Basic Plan (Covers most essential systems & some appliances)
- Heating system
- Electrical system
- Plumbing system
- Water heater
- Oven / stove
- Cooktop
- Dishwasher
- Built-in microwave
- Garbage disposal
- Ductwork
Total Plan (Everything in Basic plus major high-cost appliances)
- Air conditioning system
- Refrigerator
- Clothes washer
- Clothes dryer
Optional Add-On Coverage :
- Pool or spa
- Well pump
- Septic system
- Central vacuum
- Second refrigerator
- Standalone freezer
- Roof leak coverage (limited)
- Sump pump
- Coverage Caps
- Cannot Pick Contractor
- Limited Customization
- Replacement Value May Not Equal Retail Cost
Choice Home Warranty is newer than some competitors but have grown their clients and reputation quickly. They have coverage limits like everyone else but seem to be one of the better company options according to consumers.

Choice Home Warranty

- Founded in 1978
- Headquarters in Boca Raton, Florida
- Parent Company is Cross Country Home Services, Inc.
- Became Cinch in 2019
Appliance Plan
- Refrigerator
- Oven / range / cooktop
- Dishwasher
- Clothes washer
- Clothes dryer
- Built-in microwave
- Garbage disposal
Built-In Systems Plan (Major Home Mechanical Systems)
- Heating system
- Air conditioning system
- Electrical system
- Plumbing system
- Water heater
- Ductwork
- Garbage disposal (sometimes included depending on contract)
Complete Home Plan (Full Coverage)
- Heating system
- Air conditioning system
- Electrical system
- Plumbing system
- Water heater
- Ductwork
- Garbage disposal (sometimes included depending on contract)
- Refrigerator
- Oven / range / cooktop
- Dishwasher
- Clothes washer
- Clothes dryer
- Built-in microwave
- Garbage disposal
Optional Add-On Coverage
- Pool or spa
- Septic system
- Well pump
- Premier upgrades package
- Additional appliances
Included Features Depending on Plan Level :
✔Homeowners insurance deductible reimbursement
- Up to a set amount if you file an insurance claim
✔ Rust & corrosion coverage
✔ Unknown pre-existing condition coverage (important marketing point)
✔ Permit & code coverage
✔ Discounts on new appliances
- Higher Service Call Fees ($100-$150)
- Cannot pick Your Own Contractor
- Coverage Limits
- Long Claims Process Time
One of the higher rated companies, Cinch is known for their extra protections that are built into the plans. They cover some pre-existing issues as long as they are unknown to consumer when signing up.

Cinch Home Services

- Found in 2017
- Headquarters in brooklyn, New York
- New but quickly growing
- Flexible Coverage Options
Appliance Guard (Major Household Appliances)
- Refrigerator
- Oven / range / cooktop
- Dishwasher
- Clothes washer
- Clothes dryer
- Built-in microwave
- Garbage disposal
Systems Guard (Major Home Infrastructure Systems)
- Heating system
- Air conditioning
- Electrical system
- Plumbing system
- Water heater
- Ductwork
Total Home Guard (Most Comprehensive, Appliances + Systems)
- Heating system
- Air conditioning
- Electrical system
- Plumbing system
- Water heater
- Ductwork
- Refrigerator
- Oven / range / cooktop
- Dishwasher
- Clothes washer
- Clothes dryer
- Built-in microwave
- Garbage disposal
Add-On Options
- Pool / spa
- Well pump
- Septic system
- Sump pump
- Roof leak coverage
- Pest control
- Lawn sprinkler system
- Generator
- Water softener
- Re-key service
- Electronics protection
- Second refrigerator
- Standalone freezer
- Limited structural coverage
- And many more
- Coverage Limits
- Cannot Always Choose Contractor
- Replacement Value May Not EquaL Retail Cost
- Short Track record
Although Liberty Home Guard is fairly new to the industry, they have grown fast and built a well-known reputation for themselves. They stand out with the extensive add-on options and customizable plans.

Liberty Home Guard

- Founded in 2012
- Headquarters is in Mahwah, New Jersey
- Value & Budget Focused
- Frequent Discounts & Promotions
Bronze Care Plan (Systems Only)
- Heating system
- Air conditioning system
- Electrical system
- Plumbing system
- Water heater
- Ductwork
Gold Care Plan (Appliances Only)
- Refrigerator
- Oven / stove / cooktop
- Dishwasher
- Clothes washer
- Clothes dryer
- Built-in microwave
- Garbage disposal
Platinum Care Plan (Combination of systems + appliances)
- Refrigerator
- Oven / stove / cooktop
- Dishwasher
- Clothes washer
- Clothes dryer
- Built-in microwave
- Garbage disposal
- Heating system
- Air conditioning system
- Electrical system
- Plumbing system
- Water heater
- Ductwork
Optional Add-Ons
- Pool or spa
- Well pump
- Septic system
- Sump pump
- Central vacuum
- Lawn sprinkler system
- Standalone freezer
- Additional appliances
- Low Coverage Caps
- Limited Replacement Value
- Limited Customization Plans
- Claim Approval Disputes
Select Home Warranty is the most affordable which decreases limits. This is more of an entry level option for homeowners. They have a simple plan structure and have free roof coverage.

Select Home Warranty