Liberty Home Guard or Cinch Home Services: which is better?
Liberty Home Guard is the better choice for most homeowners. It scores 4.8/5 vs. 4.1/5 for Cinch Home Services in our ratings. Liberty is available in all 50 states and DC (vs. 47 states), offers 40+ add-ons (vs. a limited add-on menu) and has service fees from $65 (vs. $100-$150). Cinch Home Services can make sense if you are worried about unknown pre-existing problems.
- Our pick: Liberty Home Guard (4.8/5) over Cinch Home Services (4.1/5).
- Availability: Liberty sells in all 50 states and DC; Cinch Home Services: 47 states (not AK, CA, HI).
- Service fees: Liberty from $65; Cinch Home Services: $100-$150.
- Add-ons: Liberty offers 40+; Cinch Home Services: a limited add-on menu.
- Cinch Home Services can make sense if you are worried about unknown pre-existing problems.
Side-by-Side Comparison
| Liberty Home Guard | Cinch Home Services | |
|---|---|---|
| Our score | 4.8/5 | 4.1/5 |
| Monthly cost | $44.99-$54.99/mo | about $31-$67/mo |
| Service fee | $65-$125 | $100-$150 |
| Coverage caps | $2,000 per item for most systems & appliances | A/C & heating $1,500; plumbing $1,000; appliances $2,000; $10,000 per term |
| Waiting period | 30 days (90 days for plumbing/electrical) | Typically 30 days |
| Workmanship guarantee | 60-day workmanship guarantee | 180-day workmanship guarantee |
| Add-ons | 40+ optional add-ons | Limited |
| Availability | All 50 states + DC | 47 states (not AK, CA, HI) |
| Third-party ratings | 4.7/5 on Google (18,000+ reviews, per company) · 4.6/5 on ConsumerAffairs (2,000+ reviews, per company) | 4.25/5 on ConsumerAffairs (500+ reviews) · 3.5/5 on Trustpilot · BBB grade B |
Where Liberty Home Guard Wins
- Largest add-on catalog we track (40+ options, from roof leak repair to pools, well pumps and generators)
- Available in all 50 states and DC - wider than every other provider in our ranking
- Service fee options that start at $65 in many areas
- Multi-year terms up to 5 years with bonus months on annual plans
Where Cinch Home Services Stands Out
- Covers unknown pre-existing conditions
- 180-day workmanship guarantee
- Rust and corrosion coverage
The Bottom Line
Liberty Home Guard is our top pick because it combines the widest availability (all 50 states), the deepest add-on menu and flexible service-fee choices with a straightforward contract and strong customer-service tools. For most homeowners who want one combo plan they can tailor, it is the easiest provider to recommend.
Get a Liberty Home Guard Quote →Frequently asked questions
Is Liberty Home Guard better than Cinch Home Services?
For most homeowners, yes. Liberty Home Guard scores 4.8/5 in our ratings versus 4.1/5 for Cinch Home Services. Liberty is available in all 50 states and DC, offers 40+ add-ons and has service fees from $65.
Which is cheaper, Liberty Home Guard or Cinch Home Services?
Liberty Home Guard costs $44.99-$54.99/mo (online promotional pricing; list pricing about $50-$60/mo); Cinch Home Services costs about $31-$67/mo (varies by ZIP and fee tier). Your quote depends on ZIP code and the service fee you choose.
When might Cinch Home Services be the better choice?
Cinch stands out for covering unknown pre-existing conditions and a long workmanship guarantee, but its service fees run higher and its HVAC cap is low.