America's First Choice Home Club vs Cinch Home Services

AFC Home Club and Cinch Home Services are both highly rated home warranty companies. Let’s take a closer look at what each company offers:

Service Fee
Home Warranty Cost
Contract
Basic Coverage
Combo Coverage
Add-On Coverage
Build-Your-Own Coverage
Licensed Contractors
24/7 Claims Service
Time in Business
Customer Reviews
AFC Home Club vs. Cinch Home Services: Which Is Better?

Service Fee (Winner: AFC Home Club)

In the home warranty industry, service fees typically range from $60 to $100.

AFC Home Club’s service fee starts at $75 and ranges up to $125.

Cinch Home Service's service fee starts at $100.

It is worth noting that service fees are often determined by the cost of your coverage plan — in most cases, the higher your premium, the lower your service fee, and vice versa.

Based on starting service call fees, AFC Home Club could be a more affordable choice for a home warranty company. However, it is important to note that AFC Home Club offers three service fee options — $75, $100, and $125. Your service fee will depend on the cost of your plan. Within the home warranty industry, service fees are often determined by the cost of your coverage plan. In most cases, the higher your premium, the lower your service fee, and vice versa.

Home Warranty Cost (Winner: Undetermined)

To see what a plan might cost for you with either AFC Home Club or Cinch Home Services, you will need to provide some information, such as your home address, to view a free quote. Costs will vary by region and coverage type.

However, monthly plan rates with Cinch Home Services range from $30.99 to $44.99 per month.

Contract (Winner: AFC Home Club and Cinch)

AFC Home Club offers annual and multi-year contracts. It is unclear what contract lengths are offered by Cinch Home Services, but most home warranty companies offer annual contracts.

Basic Coverage (Winner: AFC Home Club and Cinch)

AFC Home Club offers the following basic coverage plans:

• Systems Plan — covers 6 major home systems
• Silver Plan — covers 9 major home appliances

Cinch Home Services offers the following basic coverage plans:

• Home Appliance Coverage Plan — covers basic home appliances starting at $30.99 per month
• Built-In Systems Coverage Plan — covers basic home systems starting at $35.99 per month

Here’s how the companies’ basic coverage plans compare:

Combo Coverage (Winner: Cinch)

AFC Home Club and Cinch Services both offer combo coverage options, ensuring that all of your main home appliances and systems are in good working order.

AFC Home Club offers the following combo coverage plans:

• Gold Plan — covers up to 15 appliances and systems
• Platinum Plan — covers up to 18 appliances and systems

Cinch Home Services offers the following combo coverage plan:

• Complete Home Coverage Plan — covers basic home appliances and systems starting at $44.99 per month

Here’s how the plans compare:

Add-On Coverage (Winner: AFC Home Club)

AFC Home Club offers add-on coverage options that can be added to any plan, allowing you to tailor your coverage to your specific needs.

AFC Home Club offers the following add-on coverage:

• Electronics
• Septic system
• Sump pump
• Central vacuum
• Pool and spa
• Stand alone freezer
• Roof leak repair

Cinch Home Services, on the other hand, doesn’t offer any add-on coverage. However, it is worth noting that their coverage plans are more comprehensive and already include most, if not all, appliances and systems that you would need coverage for.

Build-Your-Own Coverage (Winner: N/A)

Neither AFC Home Club nor Cinch Home Services offer a build-your-own coverage option. Many home warranty companies offer this option, providing homeowners with increased pricing and coverage flexibility.

Licensed Contractors (Winner: AFC Home Club)

AFC Home Club and Cinch Home Services both have vetted networks of professional technicians. However, AFC Home Club does also provide the option to pick your own technician outside of its network.

It is unclear if Cinch Home Services allows homeowners to choose their own technician.

24/7 Claims Service (Winner: AFC Home Club and Cinch)

Both AFC Home Club and Cinch Home Services have a 24/7 phone line for service calls.

Time in Business (Winner: Cinch)

Cinch Home Services has been in business for 45 years, nearly double the 22 years that AFC Home Club has been operating. 

Time in business is not a reliable indicator of overall service and expertise, but it can provide peace of mind knowing that your home warranty company has decades of experience in the industry.

Customer Reviews (Winner: Undetermined)

On BestCompany.com, AFC Home Club reviews and Cinch Home Services reviews are both limited. However, based on current reviews, AFC Home Club customer ratings are moderate and Cinch customer ratings are low.

AFC Home Club vs. Cinch Home Services: Which is Better?

Based solely on plans and coverage, Cinch Home Services could be a better choice since its coverage is more extensive and plans are priced affordably. However, most other features are comparable between the two companies, including service fees, contracts, and claims service.

Customer reviews for both companies are currently limited, so we are unable to give an accurate recommendation of either company at this time. But we would recommend reading customer reviews before making a home warranty provider decision.