Last updated: May 2026 · Consumer education page · Editorial disclaimer
| Cinch Home Services | First American Home Warranty | |
|---|---|---|
| Founded | 1979 | 1984 |
| Headquarters | Boca Raton, Florida | Van Nuys, California |
| Plan tiers | Appliances, Built-in Systems, Complete Home | Starter Plan, Essential Plan, Premium Plan |
| Typical service fee | $100–$150 service fee | $75–$100 service fee |
Plan names, fees, and coverage caps change frequently. Always confirm current details on each company's official site or in a written quote before buying.
If you want the lowest service-call fee: compare the per-visit fee carefully — Cinch typically lists $100–$150 service fee while First American typically lists $75–$100 service fee. A lower service fee is appealing but can come paired with lower coverage caps.
If you have an older home or older HVAC system: read the "pre-existing conditions" and "improper installation" sections in each contract first — these clauses are the most common source of public complaints across every home warranty company.
If you want a longer track record: Cinch Home Services has been in business longer (since 1979) and a longer history can make BBB ratings, public complaints, and review patterns easier to evaluate.
If you want a written quote without a phone call: you can get an independent home warranty quote in minutes for $99 today with no inspection required — useful as a third reference point alongside Cinch and First American.
"Better" depends on what you need: lowest service fee, highest coverage cap, broadest contractor network, or shortest claim turnaround. Read each company's most recent reviews and a sample contract before deciding.
Both companies offer tiered plans that typically cover HVAC, plumbing, electrical, and major appliances. The differences are usually in coverage caps, exclusions, add-ons (pools, septic, roof leaks), and service-call fees.
Yes. Most home warranty plans allow cancellation with a prorated refund after the first 30 days. New coverage from a different provider usually has a 30-day waiting period before claims are eligible.
Yes — you can get a Property Warranty quote in minutes for $99 today and use it as a third reference point.
Setup online today — no inspection required — no inspection required. Comprehensive protection for HVAC, plumbing, electrical, and appliances.
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