Cinch Home Services Reviews
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About Cinch Home Services
Cinch Home Services is a home warranty company currently operating in 48 states. It sells three home warranty plans with three different service fee options for flexible coverage and pricing. Cinch also has an online claims portal and a 180-day workmanship guarantee.
- Three plan options
- Three service fees to choose from
- 180-day workmanship guarantee
- Covers unknown preexisting conditions
- Somewhat high service fees
- Not available in all states
Featured Reviews
Cinch Home Services coverage and plans
Cinch Home Services sells three home warranty plans: an appliances-only plan, a systems-only plan and a combination plan (Complete Home). It’s a pretty standard selection, but one standout feature is that it does include a $500 homeowners insurance deductible reimbursement as part of the combination coverage. Also, its plans cover mechanical failures caused by rust, corrosion or sediment.
Coverage | Appliances | Built-in Systems | Complete Home |
---|---|---|---|
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 | $38.99-$48.99 | $43.99-$55.99 | $54.99-$66.99 |
Monthly premium cost | $38.99-$48.99 | $43.99-$55.99 | $54.99-$66.99 |
Annual premium cost | N/A | N/A | N/A |
Type | Appliances | Systems | Combo |
Plan name | Appliances | Built-in Systems | Complete Home |
Monthly cost | $38.99, $47.32 or $48.99 | $43.99, $52.32 or $55.99 | $54.99, $63.32 or $66.99 |
Annual cost | N/A | N/A | N/A |
Monthly cost | $38.99 | $43.99 | $54.99 |
Monthly cost | $47.32 | $52.32 | $63.32 |
Monthly cost | $48.99 | $55.99 | $66.99 |
There’s also a long list of add-ons available starting at around $5 per month. These include:
- Pool or spa only (heater included)
- Pool with spa (heater included)
- Septic tank/plumbing
- Well pump coverage
The company also sells a Premier Upgrade Package for an additional $12.50 per month at the time of publishing that provides additional coverage for permits, code upgrades and more.
Each plan covers up to $10,000 worth of repairs or replacements within a contract year, although some systems and appliances have coverage limits. For example, the company will only pay up to $2,000 per covered kitchen and laundry appliance (including access, diagnosis and repair).
Cinch Home Services cost
Cinch Home Services offers three service fees — which 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.
Service fee | Appliances | Built-in Systems | Complete Home |
---|---|---|---|
$100 | $48.99 per month | $55.99 per month | $66.99 per month |
$125 | $47.32 per month | $52.32 per month | $63.32 per month |
$150 | $38.99 per month | $43.99 per month | $54.99 per month |
Cinch Home Services coverage exclusions
Like most home warranty companies, Cinch Home Services has some plan exclusions. Its list is pretty simple and straightforward, with no big red flags. 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.”
For a full list of exclusions, check out your contract.
Cinch Home Services claims and coverage limits
You can either request service through your online account or by calling the company directly. In many cases, you can 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).
The company doesn’t make any guarantees on when that service professional will schedule your appointment, however.
All services are backed by a 180-day guarantee for workmanship. So, if something breaks down after your service but before this period has passed, Cinch will return and fix it for free.
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 |
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
FAQ
What is Cinch Home Services?
Cinch Home Services is a 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.
How does Cinch Home Services work?
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.
Does Cinch Home Services require a home inspection?
No, a home inspection is unnecessary 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.
How long is Cinch Home Services’ workmanship guarantee?
Each service comes with a 180-day guarantee on work. If a repaired or replaced system breaks down again during that time, contact the company directly.
Does Cinch Home Services have an age limit on systems or appliances?
No. 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 legit. With more than 45 years of experience, Cinch Home Services is a big name in the home warranty industry. 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.
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- 4,694,011 reviews on ConsumerAffairs are verified.
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- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
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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