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Cinch Home Services Reviews

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About Cinch Home Services

Cinch Home Services is a home warranty company. It sells three plans with three different service fee options for flexible coverage and pricing. Overall, Cinch can provide cost-effective solutions for appliance repairs, but there have been some instances of dissatisfaction with the service provided.

Pros
  • Easy to file claims
  • Coverage for unknown preexisting conditions
  • 180-day workmanship guarantee
  • Available in most states
Cons
  • Potentially long wait times for repairs or replacements
  • Some claims denied
  • Occasional communication issues
  • Deductibles can increase over time

Helpful Reviews

Marietta, GA
Verified purchase
My experience with them has been positive. The claims process was straightforward, and although parts had to be ordered, the repair was completed without any hassle. The technicia...

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Columbus, OH
Verified purchase
When reaching out to Cinch, I always find it more straightforward to set things up online. The process online, though slightly lengthy with several steps, is easier compared to ot...

Read more

What is Cinch Home Services?

Cinch Home Services is a home warranty company that offers both home warranty and home protection plans. The company offers three different plans, each of which protects important items and systems in your home.

You can get a quote for Cinch Home Services by filling out an online form or calling the company. Cinch plans can be purchased directly or through select affinity partners, including financial, insurance, retail, utility and real estate. After you’ve signed your agreement, you can begin submitting claims as needed on your covered appliances or home systems when they need to be repaired.

Cinch Home Services coverage and plans

Cinch Home Services sells three home warranty plans: Repair Only, Repair + Replace, and Repair + Replace Premier.

It’s a pretty standard selection, but one standout feature is that it includes a $500 homeowners insurance deductible reimbursement as part of the Repair + Replace and Repair + Replace Premier coverage.

Also, its plans cover mechanical failures caused by rust, corrosion or sediment.

Repair + Replace Premier

The company's top-tier plan, Repair + Replace Premier, includes coverage for outside water, sewer and gas lines, as well as an additional $2,000 benefit for typically non-covered costs like permits, code upgrades and equipment disposal.

Like the other plans, it has a $10,000 aggregate coverage limit per contract term. However, specific coverage caps still apply; for example, the company will only pay up to $2,000 per covered kitchen and laundry appliance.

Add-on coverage

There’s also a long list of add-ons available starting at around $5 per month, including:

  • Pool or spa only (heater included)
  • Pool with spa (heater included)
  • Septic tank/plumbing
  • Well pump coverage

Cinch Home Services cost

Cinch Home Services' plans cost $27.99 to $89.99 per month for a home in Texas. Cinch Home Services offers three service fee options: $100, $125 and $150. The one you choose affects the overall monthly cost of your plan.

The higher your fee, the lower your monthly cost.

Choosing a higher service fee may be a good idea for homeowners who don’t expect to have a lot of service calls in a year but want to ensure they’re covered if they do.

Those who may have more issues in a calendar year could financially benefit from a lower service fee, even if the monthly cost is higher.

Sample costs for a home in Houston, Texas

Note: Costs are accurate as of the time of publishing.

Cinch Home Services coverage exclusions

Like most home warranty companies, Cinch Home Services has some plan exclusions. Here are a few of the key exclusions:

  • Routine maintenance
  • Items covered by any other warranty, insurance or guarantee
  • Failures caused by anything other than normal wear and tear, like mold, neglect, "acts of God," etc.
  • Costs of construction, code upgrades, modifications, disposal of old equipment and more
  • Commercial-grade appliances
  • Flues, venting, chimneys and exhaust lines
  • Items without a visible model or serial number
  • Recalled or defective items (as determined by Consumer Product Safety Commission or manufacturer)
  • Improper installation or repairs
  • Anything below the slab or basement floor

It’s important to note that each type of repair has its own exclusions. For example, cooktops are covered, but the company won’t replace a cracked glass top that was “misused” or “abused.” Make sure to check your contract for a full list of exclusions.

Cinch Home Services coverage limits

The following items or systems have a coverage limit per agreement term.

Item or systemLimit per agreement term
Central air conditioning/cooling system$1,500
Septic tank/septic tank pumping$500 to pump, $1,000 to replace
Heater for swimming pool and/or spa$1,000

How to file a claim

You can request service through your online account or by calling the company directly. You can often open the request and put in your preferred appointment time simultaneously to expedite the process.

Once the request is in, Cinch will provide a referral to one of its service professionals (usually within two hours during normal business hours). However, the company doesn’t guarantee when that service professional will schedule your appointment.

Cinch Home Services FAQ

Does Cinch Home Services require a home inspection?

No, a home inspection isn’t necessary to qualify for a Cinch home protection plan. Its plans cover all appliance makes and models and unknown preexisting conditions.

Can I pick my own service technician with Cinch Home Services?

Usually, the company selects its own in-network professional for service, but it may authorize your claim for work by someone out of network after some paperwork. Make sure to read your contract to see everything required before you go this route to ensure you’re covered when it comes time to get reimbursed.

Does Cinch Home Services have an age limit on systems or appliances?

No, Cinch Home Services does not have an age limit on systems or appliances. Cinch Home Services covers all makes, models and ages of systems and appliances (included in its coverage list). Older models aren’t exempt from repair or replacement coverage.

Where are Cinch Home Services warranties available?

Cinch Home Services is available in 48 states.

How can I manage my Cinch warranty plan?

You can create an account any time after you purchase your plan by visiting the customer login page on the company’s site. With your online account, you can request service, check service request status, download plan documents, update information and more.

Can I cancel my Cinch warranty plan?

Yes, you can cancel your Cinch Home Services plan over the phone or in writing. You will receive a full refund of the contract fees paid if you cancel within 30 days of the coverage effective date.

Is Cinch Home Services legit?

Yes, Cinch Home Services is a legitimate home warranty provider. Its list of exclusions is pretty simple and straightforward, with no big red flags.

We like that Cinch backs up its work with a fairly long workmanship guarantee, and its plans include comprehensive coverage. It’s also easy to submit and track a claim through the Cinch online portal.

Learn more about mortgages
All information accurate as of time of publication.

Cinch Home Services Reviews

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    How do I know I can trust these reviews about Cinch Home Services?
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    Page 1 Reviews 0 - 5
    Verified purchase
    Customer ServiceClaims HandlingCoverageTechPriceMaintenanceStaff

    Reviewed April 9, 2026

    I had Cinch home warranty program through the purchase of my home. I just purchased my home in August of last year. Overall, it's been a pretty smooth experience. Submitting a claim is really easy. All you got to do is either call them and you pay the $100 warranty and make a warranty claim. If they can fix it, they have somebody come out fix it. Usually, within 48 hours, they have someone come out to fix it. Then, if they can't fix it, they replace the unit. They just replaced my over- the-stove microwave. When I bought the home, it was from ’93. It was old. So, they said, “Well, it’s too old for us to fix, so let’s just replace it.”

    They have various technicians. They call local companies to come in and fix whatever you need fixing. So, it's not like you have the same technician every single time. Overall, Cinch had been very useful. I would had to spend at least a couple hundred dollars in some of my repairs like my HVAC and my heating and cooling. I would definitely had to spend at least $1,000. They came out and they fixed it for the $100 deductible. So, it’s very useful. I am very satisfied with Cinch. I see some improvements that need to be made. There are a lot of communication issues because not everybody speaks English well. When you’re trying to explain your situation to somebody, and they don't understand what you're saying, you don't understand what they're saying, it’s difficult.

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    Cinch Home Services
    Response from Cinch Home Services

    Amy, Thank you for sharing your experience with Cinch Home Warranty. We're delighted to know that you found the claims process straightforward and our prompt responses helpful. We’re thrilled to have helped save on costs, particularly with significant appliances like your HVAC and over-the-stove microwave. At the same time, we value all feedback about communication, and will continuously look to refine these processes to ensure every interaction is as smooth as possible. Your satisfaction is essential to us, and we truly appreciate your insight. Thank you for choosing our services, and we're excited to keep making a difference in your home maintenance. - Brooklyn

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      Verified purchase
      Customer ServiceContract & TermsClaims HandlingCoverageTechPricePunctuality & SpeedRefunds & PayoutsMaintenanceStaffBillingHonesty & Transparency

      Reviewed April 3, 2026

      We've had Cinch for 14 years, and we've generally been very happy with their service. The claim submission has been all over. It's progressed. It used to be where I called them, and I spoke to somebody. Now, I can almost call them and speak to a machine or do it online. I've used them all, and I haven't had much trouble making a claim with them at all. They've been very helpful.

      When we moved in, we had countless issues with our HVAC system. So far, since we moved in, we've replaced the whole HVAC system, the AC, and the heater. They’ve been pretty cool about it. Last December, my water heater went out on the same exact day I was getting a roof put on the house. Even though we had to pay some out of pocket, it still turned out to be a much nicer experience having them put it in than if I had to do it myself.

      We called them for things like a breaker that kept tripping, and I couldn't figure it out. The guy came in, and he said, “It's not covered because it's outside of your domicile. It's on the front lawn. There's a lamppost out there.” He basically said that the wires coming from the lamppost on my front lawn were the ones that were causing the short. I said, “Oh, okay, no problem.” I got under the house and unplugged it myself, ‘cause I know basic electronics.

      The amount of work they did to my previous HVAC system probably totaled in the amount of 10 grand. I ended up paying out of pocket, maybe close to $2,000, totaled up. And they kept the HVAC system running until they finally decided that it was time to replace the blower motor, the main board, and the sensors on it. There was just so much work that was done to it. They had the whole heater out when they replaced the AC system. All in all, it would have probably cost me close to 30 grand for everything that was done. To me, they were well worth it. They've also come in countless times and repaired our dryer because it was having issues. My wife covered that.

      At one point, there was an introductory period, where they were actually covering my garage. When a gear on my garage door opener stripped, I was already at Menards with the intention of replacing it myself. And I was looking at these garage door openers, and the cheap ones were 250 bucks. I decided to call them, and I asked them. They said, “You're in your introductory period.” This was a few years after we moved in. And he said, “We do cover your garage door opener.”

      The guy came out and actually replaced the gear inside my garage door opener. And that garage door opener is 30 years old and still going ever since he fixed it. I have a furnace in the garage. They came out and serviced that early on when we moved in, and that's still going. They have been a big help. I know my premiums have gone up a little bit here and there, but I'm not complaining. It’s kudos for them. I've even mentioned them to other people. Their customer service has always been great. In the middle of the night, I would call them, and they would connect me to some lady in Alabama, and she had a heavy accent and was a pleasure to deal with.

      They also made it very easy for me to understand what they did cover and what they didn't cover. All I had to do was call and ask. It was a simple yes or no question. And if I wanted to, they would give me information on other packages they would have. At one point or another, I did ask them, because my wife even chimed in on it, thinking about ensuring our TVs.

      Also, my monthly fee is 60 bucks, which is a shot in the bucket to me, compared to my freaking electricity bill, even though I'm on a payment plan, which is still $303 a month. Then their deductible when somebody comes out is 150 bucks. What I like is they're really cool about it ‘cause they closely monitor what the person replaces. If they came out and replaced the sensor, and within the 60-day period, if that sensor goes bad, it's free of charge to me. But if something else goes bad, they make me understand that “The part that we fix is still working. Something else broke. So, you technically owe us.” I'm like, “That's fine. That's honest.” And I like that about a company. We also had an introductory period for two years when we moved in, and we definitely utilized it. And we get the yearly reminder saying, “If you do nothing, this continues for another year.” I don't even look at it ‘cause I'm not changing anything. We've been very happy with them.

      Thanks for your vote!
      Cinch Home Services
      Response from Cinch Home Services

      Luke, Thank you so much for taking the time to share such a detailed review and for being a Cinch customer for the past 14 years. We truly appreciate your loyalty and are glad to hear that our service, coverage clarity, and customer support have consistently provided value for you over the years.

      We’re happy to know that our team has been helpful in addressing major systems like your HVAC, water heater, garage door opener, and other covered items, and that the coverage has helped offset what could have been significant out‑of‑pocket expenses. We’re also glad our representatives have been able to clearly explain coverage, exclusions, and next steps along the way.

      Reviews like yours mean a great deal to us, and we appreciate you recommending Cinch to others. Thank you again for sharing your experience and for trusting us to help protect your home. - Brooklyn

      Verified purchase
      Customer ServiceTechSales & MarketingPricePunctuality & SpeedOnline & AppStaffRates

      Reviewed Feb. 26, 2026

      I'm a property manager. I have about 20 properties, and I'm a real estate agent as well, and for 10-15 years, I've had Cinch. I recommended their warranty for new buyers that were buying a house. Then when I started property management, there were some of my clients that are recommended to Cinch. The properties were older or the utility appliances were older, and I would recommend that they buy the warranty to control their repair costs.

      I've had lots of claims filed recently. We just had a thing for HVAC on a property. It was easy doing the claim online. The challenge is getting a service person out in a timely fashion. I just filed another claim for that same property for somebody to come back because the HVAC has problems. Being the 5th, the appointment that Sears got back to me about would be they would be there on the 18th, which is almost two weeks out, so I have to call Cinch and say that's not acceptable and see what they can do to get there faster.

      Most of the time, over the years, if I've had to call in and try and get something adjusted or change a service date because it's just too far out, they've been very good at handling that. Also, I can't remember any technician that I butted heads with. All of them have been knowledgeable and have handled things in a timely manner once they're there. The only thing that is costing Cinch some business is they've raised their prices and some of my clients have decided not to renew them. I’ve noticed in the last few times I've been on the website that for new customers, they're offering a 30% discount. I've never seen that before.

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      Verified purchase
      Customer ServiceContract & TermsTechPriceRefunds & PayoutsMaintenanceStaffRates

      Reviewed Feb. 26, 2026

      My house came with an automatic two-year warranty and I’ve owned my house for quite a while, so I’ve been with Cinch for a long time. I've had good luck with them and they’re responsive too. Just recently, my furnace would light up and then go out. I didn't realize it until the middle of the night, but the following day, a tech showed up and fixed the problem. You can do your service request by phone or online but it's easier to do it online. It works better and I prefer to use the web page because I can put more information in there. You write what your issue is, and a lot of times, Cinch will call you back and look for more information, like a model number, in case you didn’t provide it. It helped me because they've worked on it before and they could see from the previous calls what it was from their technicians.

      I used to have two houses and I had Cinch on both of them. In my other house, the drain was plugged and the people who showed up wanted to pull out my bathtub. I said no and called Roto Rooter. The techs came and cleaned it out. Then, I called Cinch and told them what was going on, and they reimbursed me for what Roto Rooter cost me. I’ve had a good experience with Cinch. When I first got the warranty, it was cheaper, and now it's more expensive monthly, but I understand. The price is high but it comes with the convenience of when I have a problem in the middle of the night, I can get a hold of someone.

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      Cinch Home Services
      Response from Cinch Home Services

      Stephen, Thank you so much for sharing your experience with Cinch Home Services. It's wonderful to hear that our team has been able to quickly resolve issues such as your recent furnace problem, and that you find our online service requests convenient and easy to use. We understand the balanced value that comes with our service, particularly in emergent situations, and are pleased that you've remained satisfied over the years. Handling your issue promptly and efficiently, rebates included in instances such as the problem with your bathtub, underline our commitment to customer satisfaction. Your feedback is inspiring, and we sincerely appreciate your loyalty! It's customers like you who make our job a pleasure, and we look forward to assisting you with your home warranty needs in the future. Thank you for choosing Cinch. Sincerely, Brooklyn

      Verified purchase
      Customer ServiceCoverageTechPricePunctuality & SpeedHonesty & Transparency

      Reviewed Feb. 15, 2026

      I'm a new homeowner and I knew I needed home warranty. My realtor gave me about four referrals, and when I looked over the deductibles and the services, Cinch Home came out a little better than the ones I was given. So, I signed up with them and when I had a claim, the experience was seamless. Recently, something happened with my ceiling fan. I had to pay the deductible of $75, then someone came out in a timely fashion and I was able to get a replacement fan with no charge other than the $75. There wasn't anything that I felt I had to be worried about. The way he came into my home was very respectful and he went through everything before deciding that he had to remove the fan. That was so open and honest instead of saying "We're going to do this" or "We're going to do that." He called Cinch Home to make sure that the fan was covered and it was. Then he finished the work in one day.

      So far, I called Cinch Home twice and the contractors they sent out were both good. The other time I called them was for my refrigerator that was leaking and I couldn't wait for the time when they would have a person come out, so I had to go with the handyman. I would tell my relatives and friends to get a Cinch Home warranty because they need to have one and it's those little things that you don't really see or you don't really pay attention to until something happens. They're a good company.

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      Cinch Home Services
      Response from Cinch Home Services

      Gail, Thank you so much for sharing your experience and for choosing us as a new homeowner! We’re thrilled to hear that your claims process was seamless and that our technician provided respectful, transparent service. We truly appreciate your recommendation and look forward to being there for you again when you need us! Sincerely, Angela

      Verified purchase
      Customer ServiceClaims HandlingTechPunctuality & SpeedStaffEase of Use

      Reviewed April 21, 2026

      The seller set up the warranty with Cinch when we closed on the house and when I had to submit a claim, everything was straightforward. Everything was labeled and it was easy to navigate the website. Cinch was very quick on getting a technician at our home to take care of everything. My wife had a positive interaction with the technician and everyone was very nice and helpful. Everything went well with Cinch and the quality of work and customer service were very good.

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      Cinch Home Services
      Response from Cinch Home Services

      Schubert, We're delighted to hear that your experience with Cinch has been smooth and satisfying. It's wonderful to know that the process of submitting a claim was seamless through our website, and our service team promptly addressed your needs with professionalism. We're pleased your wife encountered helpful and courteous assistance from our technician, and we're committed to providing excellent service and support to our valued customers. Thank you for taking the time to share your lovely experience, and we look forward to continuing to service your home warranty needs. - Brooklyn

      Verified purchase
      Customer ServiceClaims HandlingCoverageTechOnline & AppStaff

      Reviewed April 20, 2026

      The claims process with Cinch has been fairly easy. I haven't had any issues. I've been with them for about three years and their customer service reps have been good. All of the technicians have been very thorough, smart, and they know what they're doing. Everybody's fixed everything they've come out to do. I had one time where there was a little bit more that needed to be done, and the guy came right out and fixed it. The only thing is on the website, it is difficult to see exactly what's covered or what's not.

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      Cinch Home Services
      Response from Cinch Home Services

      Chris, Thank you for sharing your experience with Cinch Home Services. We're thrilled to hear that your three-year journey with us has been accompanied by efficient service and helpful customer care. We aim to ensure thorough and knowledgeable service, and it's great to know this resonates with you. We appreciate your feedback on our website's coverage details, and we will pass your input along as we continually work to improve our valuable online resources. We look forward to continuing to meet your home protection needs. Sincerely, Brooklyn

      Verified purchase
      Customer ServiceCoverageTechPriceRefunds & PayoutsMaintenanceStaffTimelinessValue

      Reviewed April 19, 2026

      The home warranty with Cinch came with the house and the experience has been great. We only moved in in November, even though we closed in August, but whenever we had a problem with something, we called, and Cinch found somebody to come out and fix the problem. There was an issue with the washing machine and I called Cinch. They sent somebody out the next day and they fixed it. Cinch is worth the money we paid for it at closing, and it has helped with the issues that have come up.

      Thanks for your vote!
      Cinch Home Services
      Response from Cinch Home Services

      Sharon, Thank you for sharing your positive experience with Cinch Home Services. We're delighted to hear that you've found the support you needed for the issues in your new home, particularly with the fast response we provided for your washing machine repair. It's wonderful to know that your home warranty has been beneficial and reassuring. We are committed to providing ongoing excellence in our service and appreciate the trust you placed in us. Thank you for choosing Cinch! - Brooklyn

      Verified purchase
      Claims HandlingCoverageTech

      Reviewed April 18, 2026

      We like Cinch and the coverage that we have with them. When submitting a claim, I prefer to talk to a live person but it’s difficult. Many of the contractors have been okay and we like some of the workers who come to our home.

      Thanks for your vote!
      Cinch Home Services
      Response from Cinch Home Services

      Pat, Thank you for sharing your positive feedback about your experience with Cinch. We're pleased to hear that you are satisfied with the coverage we provide and the quality of contractors you have met. We recognize your preference to speak with a live representative when submitting a claim and strive to make improvements in this area to better accommodate individual preferences. Your input is invaluable to us as we continue enhancing our services. Thank you for choosing Cinch for your home protection needs. - Brooklyn

      Customer ServiceCoverageTechMaintenanceStaffCoverage Limits

      Reviewed April 17, 2026

      My experience has been the worst. I have the warranty, but it is useless. I purchased a brand-new unit or one reported to me as brand-new in 2024. Each year, I turn it on, but it does not work. I have contacted Cinch Homes Services, and each year, I get the runaround. I paid the outrageous service fee of $200. I have called every day to have a service provider come to my home to repair the unit. Each time I speak to someone, I get a different story. I am so upset. I have health challenges, and the lack of air conditioning is problematic. The representatives are out of touch and provide false information. In today's conversation, they suggested that I contact a provider on my own. Why did I pay $200 for a service call? Why am I paying a monthly fee to maintain the warranty service for services I cannot receive? CINCH HOME SERVICES is the worst. Run, do not enter into a contract with them. You have been warned.

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      Cinch Home Services
      Response from Cinch Home Services

      Johnnie, We’re very sorry to hear about your experience and understand how frustrating a delay can be, especially given the current temperatures in your area. We have been in contact with you regarding this matter and regret that an immediate appointment was not initially available.

      We have since been in communication with the assigned service provider to escalate the request, as we recognize that a recently installed unit should not be experiencing performance concerns. As a courtesy and to help expedite the process, we also offered the option for you to contact a licensed service provider of your choice.

      Your assigned case manager has now confirmed that an appointment is scheduled for this week, and we remain mindful of your situation as we work to bring this to resolution. We appreciate the opportunity to address your concerns directly and remain committed to assisting until the matter is resolved. - Cinch Home Services Team

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      Cinch Home Services Company Information

      Social media:
      Company Name:
      Cinch Home Services
      Company Type:
      Private
      Year Founded:
      1978
      Address:
      4700 Exchange Court, Suite 300
      City:
      Boca Raton
      State/Province:
      FL
      Postal Code:
      33431
      Country:
      United States
      Website:
      www.cinchhomeservices.com

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