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.
- Easy to file claims
- Coverage for unknown preexisting conditions
- 180-day workmanship guarantee
- Available in most states
- Potentially long wait times for repairs or replacements
- Some claims denied
- Occasional communication issues
- Deductibles can increase over time
Featured Reviews
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.
| Coverage | Repair Only | Repair + Replace | Repair + Replace Premier |
|---|---|---|---|
| Air conditioning |  | | |
| Heating | | | |
| Plumbing | | | |
| Electrical | | | |
| Ductwork | | | |
| Sump pump | | | |
| Water heaters | | | |
| Interior plumbing lines |  | | |
| Interior electrical lines | | | |
| Exterior sewer lines | | | |
| Exterior water lines | | | |
| Refrigerators | | | |
| Dishwashers | | | |
| Oven | | | |
| Range | | | |
| Cooktop | | | |
| Built-in microwaves | | | |
| Built-in food centers | | | |
| Garbage disposals | | | |
| Trash compactors | | | |
| Ice maker | | | |
| Instant hot/cold water dispensers | | | |
| Range exhaust hood | | | |
| Kitchen exhaust fan | | | |
| Clothes washers | | | |
| Clothes dryers | | | |
| Toilets | | | |
| Whirlpool bathtub | | | |
| Faucets | | | |
| Ceiling fans | | | |
| Attic fan | | | |
| Central vacuums | | | |
| Doorbells | | | |
| Garage door openers | | | |
| Roof leak repairs | | | |
| Main breaker | | | |
| Plumbing stoppages | | | |
| Home electronics | | | |
| Smoke detectors | | | |
| Jetted tub components | | | |
| Monthly premium cost | $27.99-$39.99 | $54.99-$66.99 | $77.99-$89.99 |
| Annual premium cost | N/A | N/A | N/A |
| Type | Combo | Combo | Combo |
| Plan name | Repair Only | Repair + Replace | Repair + Replace Premier |
| Monthly cost | $27.99, $36.32 or $39.99 | $54.99, $63.32 or $66.99 | $77.99, $86.32 or $89.99 |
| Annual cost | N/A | N/A | N/A |
| Monthly cost | $27.99 | $54.99 | $77.99 |
| Monthly cost | $36.32 | $63.32 | $86.32 |
| Monthly cost | $39.99 | $66.99 | $89.99 |
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
| Service fee | Repair Only | Repair + Replace | Repair + Replace Premier |
|---|---|---|---|
| $100 | $39.99 per month | $66.99 per month | $89.99 per month |
| $125 | $36.32 per month | $63.32 per month | $86.32 per month |
| $150 | $27.99 per month | $54.99 per month | $77.99 per month |
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 system | Limit 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.
| Company | Customer rating | Monthly starting cost | Service fee(s) | |
|---|---|---|---|---|
 Cinch Home Services | Learn More | 4.1 | $38.99 | $100 to $150 |
 American Home Shield | View Plan | 3.7 | $29.99 | $100 or $125 |
 Old Republic Home Protection | Learn More | 3.9 | $50 | $100 or $125 |
 Choice Home Warranty | View Plan | 4.0 | $46.83 | $100 |
 Regency Total Warranty | Learn More | 3.9 | $44.99 | $60 to $100 |
 First American Home Warranty | View Plan | 4.0 | $42 | $100 or $125 |
 Select Home Warranty | View Plan | 3.6 | $60.42 | $75 to $100 |
Compare Cinch Home Services with alternatives
- AFC Home Warranty
- ARW Home
- First Premier Home Warranty
- Select Home Warranty
- First American Home Warranty
- HomeSafe
- Super
- HomeServe
- Old Republic Home Protection
- Landmark Home Warranty
- American Home Protect
- OneGuard Home Warranties
- The Home Service Club
- Home Warranty of America
- 2-10 Home Buyers Warranty
- Fidelity National Home Warranty
- HSA Home Warranty
Cinch Home Services Reviews
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Reviewed March 5, 2026
I signed up with Cinch in October when I bought the house. Since then, their contractor has come out and they fixed the garage door in a timely manner. I paid the $100 deductible but it would cost me more just to call a company and have them come out and look at the issue. It was an easy process with Cinch. I would suggest others to get a home warranty if they're getting a new home, and I would highly recommend Cinch.
Steve, Congratulations on your new home! It’s great to know your warranty helped save you the cost and hassle of arranging service on your own. We truly appreciate your recommendation and are grateful you chose Cinch to help protect your home! Sincerely, Angela
Reviewed March 4, 2026
I bought a house and I got the warranty with Cinch Home Services since December 4. I've had 2-10 Warranty before and that company was awful. Cinch was a cinch. It was so much easier. I filed a claim online. They texted me, and it was great. I would tell anyone that it's a good company to get.
Rhonda, Thank you for the 5-star review! It’s great to know your experience has been such a positive one. We truly appreciate your recommendation and are happy to have you as part of the Cinch family! Sincerely, Angela
Reviewed Jan. 14, 2026
So far, my experience with Cinch has been good. However, the communication between the service people and them, could be a little more streamlined. It seems like they don't communicate very well on what's going on with the customer. With our recent contractor, the tech came out and said that our parts for our washer were not longer available. The Cinch people didn't even know what was going on. But they would try hard to find a solution to the customer's problem. It wasn't really them, it was whoever's in charge of getting the information, like if the customer needs a replacement, and that takes a little bit longer than it should.
Sometimes the techs aren't that great, as well. It's been hit or miss because different appliances, we've had different people sometimes. For our dishwasher last year, they had to come out several times to diagnose the problem. They got the parts in, someone put in the parts wrong, then they short-circuited the motor. Then the other person came out and said, "That person did it wrong." Then, when we had them come out for our fridge, the guy broke something after the part was installed. We never called about it because it takes so long to get parts and people.
Nowadays, it's so hard to get anything accomplished with anything in life, but at least a couple of times, they've replaced our appliances. For the most part, they always answer when we call. Also, they should put the actual status online versus just saying that I have a service repair. But the reps generally try to help me when I call, and they've always been extremely nice.
Natalia, Thank you for taking the time to share such a thoughtful and detailed review of your experience with us. We’re glad to hear that you’ve generally had positive interactions with our customer service team and that you’ve found our pricing to be fair. We truly appreciate your kind words about our representatives and their efforts to support you.
We also want to acknowledge the challenges you’ve mentioned. Communication between technicians and our team is an area we continue working to strengthen, and we’re sorry for the frustration this caused—especially regarding the washer parts update. Variability in repair timelines and repeated visits can be inconvenient, and we appreciate your patience as we work to deliver a more consistent experience.
Your feedback about online status updates and the length of the replacement/repair process is incredibly valuable. Insights like yours help us identify where improvements are needed so we can better serve you and all of our customers.
Thank you again for your honest feedback and for recognizing the efforts of our customer service team. We appreciate you and are here whenever you need assistance. Sincerely, Brooklyn
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Reviewed Jan. 8, 2026
I've had good times with Cinch where they've sent out help and I've had no problems, but then I've had other times when I’ve had significant delays. 80% of the time, everything's fixed and scheduled quickly. About 20% of the time, it's a delayed response, they can't find the vendor or a solution. For the most part, the reps have been reasonable and responsive. When we called them back, they were able to find the notes and track what was going on.
I've had instances where the techs came out to repair an air conditioner, and they said everything was great and working, but it wasn't. I called them back, and they said, “We can't get back to you for three weeks.” I had to call Cinch back, and they worked it out, but then another vendor had to come out. Cinch has been really good, at least with the appliances. Cinch has been reasonable for what we've had. It has been advantageously used in our home.
Paul, Thank you for sharing your detailed experience with Cinch Home Services. We’re delighted to hear that, most of the time, our service has met your expectations in providing prompt and efficient solutions to your needs. We regret any inconvenience caused by delays in response times or vendor selection, and we are continuously working to enhance these aspects of our service.
We are glad to know that your interactions with our claims representatives have been positive, and we wish to extend those experiences across all points of contact. It’s important to us that our technicians provide accurately assessed repairs, and we apologize for any instances where this was not upheld. We're committed to addressing these concerns and improving our coordination and follow-up times, such as in instances of needed follow-up visits.
Rest assured, quality service and your satisfaction are paramount, as is our commitment to providing reliable support, especially vital when dealing with older systems as part of home upkeep. Your feedback is valuable, and we thank you for highlighting the strengths and areas where we can continue to improve your experience with us.
We appreciate your choice in Cinch Home Services for your home needs and look forward to consistently delivering the favorable service you deserve. Thank you again for your input. Sincerely, Brooklyn
Reviewed Oct. 21, 2025
I’ve been handling the warranty and payments for our family home ever since it was first passed to us through a government repossession deal. It had a warranty with Cinch Home Services for the first year. Although the original warranty owner was my brother, Kelvin, it’s been my responsibility for the past decade. I needed to extend the home warranty after relocating the house ownership to my name. Over the years, they’ve been fairly responsive, especially with claims when submitted directly online, which speeds up the process significantly compared to calling in.
Yet, my most recent claim experience impressed me the most. A specific repair for the refrigerator was outstanding, thanks to the technician from Grays Appliances. Unlike prior attempts where AAA Appliance struggled to root out the issue fully, Grays got it right on the first try. I haven’t experienced any recurring problems since their tech's visit over a month ago. It feels as good as new, and I even reached out to the technician post-repair to express my satisfaction.
The only hitch came with a service hiccup regarding the warranty details being incorrectly listed under my brother's name. Resolving this required a bit of back-and-forth and three-way calls. Moreover, I find the pricing and service costs creeping up steadily. What started as a manageable monthly fee 13 years back has now escalated close to $65, likely prompting me to reassess my future coverage options.
Overall, apart from some minor hiccups regarding account handling and rising costs, my experience with Cinch Home Services has been predominantly positive, bolstered by effective and reliable service responses, especially recently. While I’m considering exploring different plans due to rising costs, my long history with Cinch represents a mostly stable and valuable relationship.
Marva, Thank you for sharing your feedback with Cinch Home Services. We are truly thrilled to hear about your positive experience with the recent refrigerator repair and the satisfactory service from Gray Appliances. Delivering excellent service in every claim process is our goal, and it’s wonderful to know our efforts have impressed you.
We acknowledge the service hiccup regarding the listing confusion of the warranty under your brother's name and appreciate your patience during the resolution process. Your concerns about rising service costs and the complexities they present are duly noted, and we assure you these points matter to us.
If there's anything else we can do to enhance your experience or if you consider adjusting your coverage options, please don't hesitate to reach out. Thank you for trusting us with your home warranty needs for so many years; we value this longstanding relationship and look forward to continuing to serve you in the future. - Brooklyn
Reviewed Aug. 9, 2025
We had Sears’ coverage, and when they were on their way out, a friend of mine who runs an appliance repair business told me I should get on board with Cinch. They cover all your appliances for more or less the same amount of money, and if they can't cover it, they'll fix it. I like that if I had an old dryer break and they couldn't fix it, Cinch will either give me a replacement for no cost to me other than the deductible or they'll give me a payout. With the older plans we used to have, that wasn't an option.
I've Cinch them at least three times in the last few years. When I use them, I can do it online but calling is a bit of a challenge. It's hard for me to get another human. It's all automated. Also, sometimes I get someone who's hard to understand. It's a little difficult to have the back and forth when you're trying to be specific. But they're very and knowledgeable. I've never had to hang up or scream at somebody.
I prefer to use my friend because I know he won't mess around as opposed to a company I've never heard of, who may come out and may not do such a good job. I mentioned this to Cinch the last time we spoke to them that it'd be nice if I went online to put in a claim, I had an option to choose from a list of people that they have that I can choose. One time I called, they just gave me some company. I'm in New York on Staten Island and they sent out somebody from Brooklyn. It was not a good experience. The repairman came out and told me he'd get back to me but he never did. I actually forgot about it, and my wife reminded me. When I called the company, they said they were gonna take care of it. But two days later, Cinch emailed me with a payout. The repairman didn't do the repair and put it through as a total job. I called Cinch back and told them what happened. I also them them if they're just gonna give me a company, to not give me them.
The coverage is a little pricey, but things are pricey today. As my friend told me, even though I pay a $150 deductible plus $56 a month, it's still cheaper than calling him cold for him to come. He says he charges upwards of 250 just to walk in the door.
Robert, Thank you for taking the time to share your detailed experience with Cinch! We're delighted to hear that you've found value in our appliance coverage and appreciate the kind recommendation from your friend in the repair business. Your input about the call experience is invaluable, and we're committed to ensuring a smoother interaction whether you're online or on the phone.
We regret any inconvenience regarding the service partner sent from Brooklyn and will explore options for enhancing choice in service times and provider compatibility in your area. We’re glad we could resolve an unyielding repair through a prompt payout, highlighting our effort to stand by our service commitment. While the premiums include some costs, you're saving substantial amounts beyond warranty protection in comparison with do-it-yourself repairs.
Your satisfaction is paramount, so knowing you're overall pleased affirms we will work diligently on the areas we can improve. Thank you for trusting Cinch, and we’ll strive to offer greater efficiency and responsiveness in the future! - Brooklyn, Social Media Team
Reviewed July 4, 2025
I made a claim with Cinch Home for a plumbing issue which was handled by a plumber from a company called On Target. The plumber came unprepared, lacking essential equipment and arriving in an old cop car. I had sewage backing up, and unfortunately, he couldn’t assist properly. My daughter, also my realtor, intervened and through some maneuvering, hooked me up with these other people out of Murfreesboro, Tennessee who were also from Cinch Home's system. In the end, Cinch reimbursed me 2,500 because it was a huge broken line out in the yard.
Later, I encountered an issue with my HVAC system. A professional from Sears came out to address the problem, and his expertise was truly a relief. His thorough and professional handling was noteworthy. However, I had another issue with my air conditioning unit which failed to keep up with the heat. On Target was dispatched once more, but the representative was unable to locate my address and displayed poor professionalism, arriving in flip-flops and taking ineffective checks around the house.
With my daughter's help, a second opinion was requested and a reputable company, Elite, responded promptly, guiding me through preliminary steps over the phone, and is set to thoroughly check my unit. Up to now, their communication has been top-notch. I’ve been with Cinch since moving in, and while my initial experiences have been mixed, I appreciate the resolution effort and am hopeful about the upcoming service. If my future experiences continue to improve, I might consider renewing the service in October.
Deborah, Thank you for sharing your experience with us and for your continued trust in Cinch. We truly appreciate your candid feedback—it helps us grow and improve. While we're glad to hear that some of your service experiences were positive and that you were ultimately reimbursed for the major plumbing repair, we sincerely regret that aspects of your journey—especially with certain providers—did not reflect the high standards we strive for.
We’re glad your daughter was able to help navigate toward a resolution, and that providers like Sears and Elite delivered the level of professionalism you deserve. We’re also encouraged to hear that recent experiences have shown improvement, and we’d love the opportunity to keep earning your confidence as we move forward.
Thank you again for being a valued customer. If you ever need further assistance, please don’t hesitate to reach out—we’re here to help.
Sincerely,Angela, Customer Relations
Reviewed April 2, 2026
Submitting claims online to Cinch is easy and three-quarters of the time, the service and the people are good. I had service from them four times. The techs they send out are stuffy and a little quirky, and they could have better presented themselves in terms of their cleanliness. But they got the job done and were courteous and respectful.
Cristina, Thank you for sharing your experience with us. We're pleased to know that submitting claims online with Cinch has been straightforward for you, and that you've generally been satisfied with the technicians' courtesy and professionalism. We appreciate your feedback about their presentation and take your comments seriously as we strive for continual improvement. Thank you for choosing Cinch Home Services. Your satisfaction is important to us, and we look forward to serving you again. Sincerely, Brooklyn
Reviewed March 31, 2026
I really wanted to like Cinch, however, have found that, like American Home Shield, they have insufficient contractors to carry out the work. Despite the fact that the agreement seems to cover most everything, contractors, after initial diagnosis, still need to obtain the authorization to carry out the full repair. The HVAC contractor assigned did not reach back to us, and closed out the repair. I had to make multiple calls to get the work completed. The owner of the HVAC company insisted that he called and sent a text message of the call as "proof." However, the call made was the initial call to schedule the initial visit. Add to this that Contractors are evidently not required to provide any paperwork, so really difficult to say what the cost of the repair would be. We learned that our homeowners' insurance covers system repairs and replacement. Our annual deductible is less than the cost of an annual contract with Cinch. Additionally, we received a substantial increase in year 2 of the contract; they would have been willing to reduce the price had we stayed with them. This is a poor business practice and does not instill confidence. Lastly, call center must be handled overseas, as you could hear multiple operators in a room all speaking in their native language to one another. Not being racist -- just shows that Cinch is unwilling to pay living wages.
Hi Paula,
Thank you for taking the time to share your feedback. We appreciate you giving Cinch the opportunity to serve you and are truly sorry to hear that your experience did not meet your expectations.
We understand how frustrating communication and scheduling challenges can be, especially when coordinating repairs through independent service contractors. Your comments regarding transparency, contractor availability, and the overall service process are valuable and will be shared internally for review.
While we regret that Cinch was not ultimately the right fit for your needs, we appreciate your candid feedback, as it helps us identify areas where we can continue to improve. We wish you the best moving forward and thank you again for taking the time to share your experience.
Sincerely, Brooklyn
Reviewed March 29, 2026
My realtor recommended Cinch and filing a claim with them has been easy. I like being able to call a person. Their contractors have been good as well. I'd recommend them.
Jasmine, Thank you for sharing your experience with Cinch Home Services. We are thrilled to hear that filing a claim was a breeze and that you were able to connect with our helpful team members in person. We're glad to know the contractors performed well and appreciate your recommendation. Your satisfaction is our utmost priority. We look forward to continuing to support your home warranty needs. Sincerely, Brooklyn
Reviewed March 27, 2026
2025. After 3 months, we noticed it getting progressively worse. We called for service this week. The technician said the unit had to be replaced. They denied the claim. Reason, it was the filtration and not the softener. Mind you, it’s all within a single canister. And they had come to fix the same issues earlier. I’ve had other issues - no shows, misdiagnosis, etc. I’m dumping them at the end of the cycle. Not worth the aggravation. I would give them zero stars if I could.
Daniel, Thank you for taking the time to share your experience. We’re truly sorry to hear about the frustration you’ve encountered and understand how disappointing this situation has been for you.
We have located your account and are currently reviewing the service history in detail. A member of our team will be reaching out to you directly to discuss your concerns, clarify what occurred, and see how we can address this matter moving forward.
We appreciate you bringing this to our attention and the opportunity to speak with you personally. Sincerely, Brooklyn
Reviewed March 26, 2026
Cinch failed to provide HVAC service or reimburse homeowner, due to miscommunications. Senior subscriber was unable to make an online payment at time of request for service. However, agreed to pay the technician (cash or check) upon arrival. Customer service representative refused to allow this option and made no attempts to offer alternatives. Senior subscriber has been a customer for over sixteen years. All monthly premium payments were made in a timely manner through bank deduction. New HVAC system replaced at the customer 's expense. Poor customer service, and disregard for customers who do not use computers.
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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