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Q: Which company should I choose?

Pick American Home Shield if you want the most balanced, big-name provider with strong overall coverage. Choose Liberty Home Guard if you want to customize coverage heavily with many add-ons. Go with Cinch Home Services if you like simple plan choices from a long-running provider with a strong workmanship guarantee. For all three, compare quotes, coverage limits, and sample contracts before deciding.

American Home Shield vs Liberty Home Guard vs Cinch Home Services

We compared coverage, claim process, contractor networks, and overall value. Our pick: American Home Shield for its broad coverage options, long track record, and strong all-around protection.

At a glance

American Home Shield

Best overall

Top pick for a strong mix of systems & appliance coverage, long history in the market, and a large network of service pros.

Three core plans that cover systems, appliances, or both (with a premium tier for extra protection).
Covers major components of HVAC, plumbing, electrical, kitchen and laundry appliances.
24/7 service requests with access to a large, nationwide contractor network.

Get American Home Shield

Liberty Home Guard

Most customizable

Highly customizable coverage with three base plans and one of the largest catalogs of add-ons in the industry.

Appliance-only, systems-only, and total home plans to match different needs.
40+ optional add-ons for items like pool & spa, sump pump, electronics, and more.
Add-ons raise costs quickly; coverage caps on some items may be lower than rivals.

Visit Liberty Home Guard

Cinch Home Services

Best long-term value

Long-running provider with 45+ years of experience, clear plan structure, and a strong reputation for honoring claims.

Appliance, systems, and complete home plans to cover core household needs.
45+ years of home warranty experience and strong focus on customer service.
Workmanship guarantee on covered repairs (often up to 180 days; check your contract).

Visit Cinch Home Services

What to compare	American Home Shield	Liberty Home Guard	Cinch Home Services
Primary strength	Best overall: broad coverage + established brand	Highly customizable plans and add-ons	Long track record with solid, straightforward coverage
Plan types	Three main plans: systems, systems + appliances, and premium combined coverage	Appliance-only, systems-only, and total home plans	Appliance, systems, and complete home plans
Coverage highlights	Covers major components of HVAC, plumbing, electrical, kitchen and laundry appliances	Competitive limits on many systems and appliances; comprehensive total-home option	Strong core coverage on key systems and appliances, focused on everyday breakdowns
Notable extras	Optional coverage for items like electronics and additional systems in many markets	Large add-on list including pool & spa, well pump, septic pumping, maintenance services and more	Some plans include perks like discounts, preventive maintenance options, or partner benefits
Digital tools & apps	Online account and 24/7 claim submission	Modern customer portal and mobile app for filing and tracking claims	Online portal, phone, and app-based support through select channels
Workmanship guarantee	Workmanship guarantee period typically around 30 days (varies by plan and state)	Workmanship guarantee often around 60 days (check your contract for details)	Industry-leading workmanship guarantee window on covered repairs in many markets
Service call fee options	You choose your service-fee tier; monthly price adjusts accordingly	Service fee falls within a set range; amount may depend on quote and promotions	Fixed trade-service call fee that varies by plan and location
Support & claims	24/7 claim submissions; AHS assigns a local pro from its network	24/7 claim submissions; app and live chat help track claim status	24/7/365 service requests with phone and online claim options
Cancellation & refunds	Generally offers prorated refunds minus a small fee; varies by state	Prorated refunds available; terms and fees depend on your contract	Prorated refunds available; some fees may be non-refundable
Best for	Homeowners who want the most established name and balanced, all-around coverage	Homeowners who want to customize coverage heavily with many add-on choices	Budget-conscious homeowners who value a simple plan menu from a long-running brand

Editorial stance: Want the most complete, well-rounded package? Choose American Home Shield. Want to fine-tune coverage with lots of add-ons? Liberty Home Guard is built for that. Prefer a simple, time-tested option from a provider with decades of experience? Cinch Home Services is a strong fit. Always review the sample contract for your state before you buy—coverage details, limits, and fees change over time.

Pick by use-case

Best overall protection

Great balance of systems & appliance coverage, flexible service fees, and an extensive contractor network.

Get American Home Shield

Most customizable coverage

Liberty Home Guard is ideal if you want to tailor your plan with dozens of add-ons and niche coverage options.

See Liberty Home Guard

Best long-running provider

Cinch Home Services combines clear plan options with 45+ years of experience and a strong workmanship guarantee.

See Cinch Home Services

FAQ

What is a home warranty?

A home warranty is a service contract that helps pay to repair or replace covered home systems and appliances when they break down from normal wear and tear. Instead of finding your own technician and paying the full bill, you file a claim with the warranty company and pay a set service fee per visit.

Is a home warranty the same as homeowners insurance?

No. Homeowners insurance typically covers damage from sudden events such as fire, storms, or theft. A home warranty focuses on breakdowns of covered systems and appliances from everyday use, like an air conditioner that stops working or a dishwasher that fails. Many homeowners carry both.

Are home warranties worth it?

They can be, especially if you prefer predictable costs and don’t want to shop for contractors every time something breaks. A single major repair can cost as much as a full year (or more) of home warranty premiums. However, plans have limits and exclusions, so it’s important to read the contract and understand what is and isn’t covered.

Which company should I choose?

Pick American Home Shield if you want the most balanced, big-name provider with strong overall coverage. Choose Liberty Home Guard if you want to customize coverage heavily with many add-ons. Go with Cinch Home Services if you like simple plan choices from a long-running provider with a strong workmanship guarantee. For all three, compare quotes, coverage limits, and sample contracts before deciding.