Cinch Home Services

Cinch Home Services

 4.2/5 (517 reviews)
  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars
Monthly premium cost
$30.99 to $93.99
48 states
Labor guarantee
180 days
Service fee
$100, $125 or $150
Cinch Home Services
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About Cinch Home Services

Cinch Home Services is a home warranty company currently operating in 44 states. It sells three home warranty plans with three different service fee options for flexible coverage and pricing. Cinch also has an online claim portal and a 180-day workmanship guarantee.

    Overall Satisfaction Rating

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    • Three plan options
    • Three service fees to choose from
    • 180-day workmanship guarantee
    • Covers unknown preexisting conditions
    • Online claim portal


    • Somewhat high service fees
    • Not available in all states

    Bottom Line

    Cinch Home Services sells three warranty plans with flexible pricing options. While its service fees may be a bit pricey, Cinch’s comprehensive coverage and workmanship guarantee may make it worth it.

    Top Cinch Home Services Reviews

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    Rated with 5 stars

    The workmen Cinch provides are always very knowledgeable and courteous. ... We've been satisfied with their response. It's one thing off your mind, because when something goes wro...

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    Rated with 3 stars

    The gentleman they sent to do the repair for the range hood was fine. But getting the right person to get the repair scheduled was a real pain. ... But once I got to the right per...

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    Cinch Home Services warranty coverage

    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.

    Appliances planSystems planComplete Home
    Clothes dryer
    Clothes washer
    Food centers (built-in)
    Free-standing ice makers
    Microwave (built-in)
    Range exhaust hoods
    Trash compactors (built-in)
    Wall ovens
    Air conditioning (including ductwork)
    Attic fans
    Ceiling fans
    Central vacuums
    Electrical system
    Garage door opener
    Garbage disposals
    Heating system (including ductwork)
    Instant hot/cold water dispenser
    Plumbing system
    Smoke detectors
    Sump pump
    Water heater
    Whirlpool/jetted tub (built-in)
    $500 homeowners insurance deductible reimbursement

    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 and 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 may financially benefit from a lower service fee, even if the monthly cost is higher.

    Service feeAppliances planSystems planComplete Home
    $100$44.99 per month$51.99 per month$61.99 per month
    $125$43.32 per month$48.32 per month$58.32 per month
    $150$34.99 per month$39.99 per month$49.99 per month
    Note: Costs are accurate as of the time of publishing for a home in Houston, Texas.

    Cinch Home Services warranty 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

    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.

    Cinch Home Services FAQ

    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?

    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 all states except Alaska, California, Hawaii, Iowa, Massachusetts and Utah.

    How can I manage my Cinch warranty plan?

    You can create an account anytime 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.

    Is Cinch Home Services worth it?

    With more than 40 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.

    Cinch Home Services Reviews

    Over 10k reviews since 2014
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    2 featured reviews
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    Page 1 Reviews 0 - 5
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 12, 2023

    When I purchased this house on June 8th, 2021, it came with the Cinch home warranty and not long after I purchased the house, the air conditioning went out. It had something to do with electrical. So, I had to call Cinch to come out and I didn't have any problem with them coming out. The company that came out were kind of sheisty because they tried to tell me, “Oh, you need to replace your whole box and everything.” I had an inspection. If that was the case, I’m sure they would have told me. Then the lady that I talked to that was over the department was like, “No.” I said, “Well, they’re trying to tell me that, 'Well, okay, you can get part of your electrical replaced for 4,000 or a whole total upgrade.’” I was like, “I don’t need all this. What do I need plugs on the outside of my house for? Why do I need new lighting or whatever? You guys are just trying to scam me or whatever.”

    The owner of the company ended up calling me because he was like, "Oh, I'm the owner of the company." I said, "Nope, I don't want you guys on my property no more because how are you gonna try to tell me that I need a complete box? And then y'all are trying to tell me that I need it from the pole to the house, I need to have all that." So, I ended up going with another electrical company and they were like, "There's nothing wrong with the box." I said, "Exactly. When they did my air conditioning, the electrical company unhooked where my dryer was and hooked the air conditioning unit to that. I was like, "No, that's not right." So the electrician then came back out. I'll never deal with On Time again.

    I called the woman from Cinch. She was like, "No, you're right. No, we would never, you know, have anything like that, you know, where you would have to pay out of pocket. That's what you have a warranty for." As far as Cinch, usually, when I call, it doesn't take that long to have somebody come out. A month or two ago, my heat went out, and it turned out to be the control panel, and the guy came out and looked at it. He replaced the control panel in the furnace. That was why my heat wasn't coming on.

    Go with Cinch. It's a no-hassle thing and it's easy to go through the process.

    Cinch Home Services response

    Dear Darrell, We’re sorry to hear of the issues you experienced with one of our service providers and appreciate you taking the time to share your experience. Ultimately, our goal is to make managing home repairs easy and we are pleased to hear that you are overall satisfied with your service. Sincerely, Christine

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      Rated with 4 stars
      Verified Reviewer Verified Buyer
      Original review: Feb. 17, 2023

      The people that fixed my air conditioning were amazing. But the people that came and fixed my furnace, I wasn't thrilled. I was appreciative for the fact that they came because I have a disabled husband. I had no heat in November. The first service provider that they called to come said, "You live too far away." The second one they sent came out, looked and said, "This is propane. We don't service propane." But I told the people that this is what I had. I had propane. I needed heat.

      Cinch Home Services called a third contractor and they said, "Okay. We could do this." It went back and forth. They ordered the furnace but ordered the wrong one. When I called, I was expecting the furnace on a particular day. I said, "What time are they coming?" They said, “We don't have the furnace.” "What do you mean?" "We had to reorder it. We ordered the wrong one."

      I called the provider and said, "I got to get heat for my husband." He understood. They did all that they could to ensure that I had heat right away. He was an hour away from where I live. He was down in Hackensack. He came up and said, "I could do this for you." I said, "Great." He came in and did it. I paid for it out of pocket because I needed the furnace. The guy was amazing.

      However, we found out that I needed a permit. And it was back and forth. While they were putting the furnace in, they couldn't restart the hot water heater. They had to change the hot water heater. So, I had to go out and purchase another hot water heater at my expense for them to put in. Also, they found that the main valve tubing wasn't working right. So, they shut another valve. But one of the helpers turned the valve the wrong way. I had a big flood in my kitchen. I had to get somebody in here to replace the ceiling in my kitchen. It was a disaster.

      They told me not to worry. I said, "If I get inspected by the Home Association, it's all on you, because I didn't know I needed a permit. I didn't know what I was supposed to do. You were supposed to come back and fix it and you didn't." I'm still waiting. This is mid-February. The follow through wasn't good. But they came out on a weekend, when it was freezing. They did everything they could on a Sunday to make sure that I had heat for my husband. Also, I can call Cinch and get help inexpensively.

      Cinch Home Services response

      Madelyn, Our goal is to send the right technician at the right time to answer our customers’ questions and help resolve their issues. In this instance, we clearly missed our goal. We appreciate you taking the time to share you overall experience with us. If you’re in need of assistance, please email our team at and a resolution specialist will follow up with you personally to assist. - Christine

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      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: Feb. 10, 2023

      Nowadays, everything is expensive. But I'd still rather have Cinch because we have used them a few times. The house is starting to get old. We've replaced every piece of equipment in this house. The garbage disposal was the last thing. It went great. The guy was nice and efficient. The quality and the way companies do their business is the most important thing. They come right out, they get what they need. In and out and that's what I like. I'd rather pay high dollar and get that. I'm happy with the company. They do what they say they're gonna do.

      One problem I had with them, when they replaced my outdoor original AC units, a heat pump, they sent a guy that didn't know what he was doing. And he even admitted, "I do home improvements. I don't do HVAC." And I said, "Then why are you here?" We had nothing but trouble. We didn't get heat, we couldn't get AC. It was just blowing air 24 hours a day. And he came back and finally got it right. I told him that what he was putting outside did not match the inside. I said, "No. Outside is the TXV valve. Inside as the piston valve." "No, you'll be fine." We weren't. It took them a year to get it straightened.

      The next problem we had, that outdoor unit went up because it was small. It was supposed to be two and a half tons, and it was, but it was small and not efficient. So, the outdoor unit went out, then the indoor unit went out. And when they went to send that guy, I said, "He's not allowed on the property. I don't want him here." They sent Smith & Sons. Those guys were great. The tech said, "I'm gonna be honest with you. This is an old system from '89. You need everything new." So, we just bit the bullet and said, "Okay, just put it all in." I even helped him do the work because he was by himself. And when he couldn't get it to be cold in the summer and be hot in the winter, I said, "Okay, something's not right here." So, we got it straightened out. Cinch took care of it and I'm happy with it.

      Cinch Home Services response

      Leonard, Thank you for taking the time to tell us about your experience. We are glad to know that we have been there in your time of need to resolve your claims. We also regret the issues you initially had with your air conditioning claim, and appreciate you letting us know of that, as well. We are always working to improve our processes and this information is helpful in that endeavor. We hope to service your home warranty needs for many years to come! Sincerely, Dena

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      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: Dec. 11, 2022

      When we turned our furnace on and when we turned it off and on, it clunked. The guy Cinch sent out looked at my furnace and said, "You got some kind of a flame sensor." He said that was bad. He pulled it out and showed it to me. There was a little wire, and he wanted $380 to fix it. It was an outrageous amount, so I said, "No, I'm not gonna do that. I'm gonna call the warranty company." Cinch sent out a company from down in Miamisburg, which I live outside of that, and I had to pay the guy 150. He was the guy that gave me all that song and dance about that, and I was dissatisfied with that. I'm not even sure there was anything wrong with what it was that he was looking at. I'm not sure that guy wasn't trying to stick me with a big bill.

      On the other hand, I was very satisfied with the work I had done for a garage door opener. I called a company out to look at it, because I didn't think it was a warranty issue. That company charged me $100 twice just to come out and look at it. First time, they didn't fix it. The next time they came out, they did whatever they did, then they wanted put a whole new thing, so I said, "Forget it." I called Cinch, then they came out and fixed it. They did a good job. The thing wasn't working and they said, "Couldn't repair it," so they replaced it. I was very happy with that one. However, I learned a lesson on this. I'll never call anybody other than Cinch, but they raised their deductible up to 150.

      We're Realtors, and we use Cinch all the time. The disadvantage is on some things, people need something instantaneous. They gotta fix it now. They can't wait for a part. Right now, for example, I have an air conditioning unit that's at least 25 years old. It works fine, and I've had it checked every year, but that may not even be compatible with the new furnace we put in. If my furnace went out on January 1st, I can't wait for three weeks to get a new furnace. One issue we had was two months for a part to come in. We had another claim, for a microwave oven, and they couldn't get it fixed for four months. The home warranty company sent us a check for 350 and told us to get it fixed, because we could get another company here to fix it for 350.

      I am generally satisfied with Cinch. The only complaint in selling them is some Realtors say things they should never say. They lead people to believe that, "Oh, if this breaks, you get a new one. If this goes out, you get a new one," and people's expectations are awfully high. That's not the way it works. People pay 150 bucks, the home warranty company sends someone out, and if they can fix it, they fix it.

      My wife had almost insisted that everybody get a home warranty, but I don't do it, because if anything goes wrong with Cinch, they start blaming me. However, I tell people it's a good idea if they want to get it. If something major goes wrong with their house, they have a warranty. I would give Cinch good marks as any of the other companies. Also, I like the agent that's in charge of this area. She's cute, really helpful and does a nice job.

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      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: June 11, 2022

      Cinch worked out good. I called them and they got the claim going, and they stuck with it. They would get someone to come out and do the work and I would pay my deductible. They weren’t overly high. I used to pay $40 a month and it went up to 45. Now, I pay $50 a month. I need to call Cinch right now. They’ll come out and do your maintenance free. So, if something is wrong or tearing up or something went, the tech will report it and you can get it serviced. Or the maintenance person will set up an appointment to do that. Then you pay your deductible and get that done. They're trying to help you before something goes and they have a record too if something's allowed and know that it was not.

      One time, my husband had the plumbing service doing something here and the guy was saying he could get in there. I said that I have to call up the maintenance service. When I called, they said that the plumbing service was not on their list, but they’re sure they do good service. Whoever Cinch is sending out to your house, they know.

      I have encountered some problems within the last couple of years since COVID though. Cinch has a hard time getting people to come to Forest now. We are out some of the ones who's on their list. I’m 42 miles from Jackson. It’s a little old town. So, sometimes, the contractors can't come. But I like that if Cinch can't get anybody to come out, they let the customer get someone. They just don’t say they can’t. All the contractor has got to do is turn in their description, what they did and how they did. They go through that process and how much it was, and I send it in and Cinch refunds me because you will have to pay the person, whatever they charge right then.

      I know one business that it’s just certain things, but I was able to ask them would they come and do it. They have to go by these steps with this warranty and they understood it because they were familiar with this. I had to do my deductible but I got my refund. Cinch will stick with it and ask you if the person came, and you can call them back. The only part I don't like is that it’s hard to get to the right person. It's automated. I like to talk to people. I can do it and text and get online, but I don't like that. But as long as Cinch keeps doing what they are doing, I'm good.

      Cinch Home Services response

      Mary- We understand how stressful managing home repairs can be, and are glad to hear that you are pleased with our service. It is always our intention to assign the right technician at the right time to meet your needs. We take our service network seriously and value your feedback. Thanks for stopping by! Sincerely, Christine

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      Rated with 4 stars
      Verified Reviewer Verified Buyer
      Original review: March 22, 2023

      The first claim involved a third party and there was very poor communication all the way around. So, it made me hesitant. Communication is always a thing that can be improved. I had a second experience more recently for a repair and they were much better about it. I like not having to pay the entire bill myself.

      Cinch Home Services response

      Dear Melanie, Our goal is to help alleviate the financial burden that comes along with major home repairs, and we understand how stressful managing those can be. We are disappointed in the lack of communication you experienced during one of your claims. We are always working to improve our customer experience and appreciate the feedback you provided. We’re happy to hear that overall, you’ve been pleased with your experience. Sincerely, Christine

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      Rated with 3 stars
      Verified Reviewer Verified Buyer
      Original review: March 22, 2023

      I bought a townhouse at the end of July, and Cinch Home Services came with the offer to purchase. The previous owner bought it and the fact that they prepaid for a year was good, but what I don't like is that I have to pay a fee every time I call to have somebody do something. I was not made aware when I was buying the home that there would be a cost to me every time I file a claim. Another thing I don't like is that when I place a claim, Cinch says it's a $100 fee to have them come out and look at it, then on the site, it says, “Oh, because of COVID, we’re adding another $15 surcharge.” Why do they get to just raise the rates on their site whenever they want to? Instead of being $100, it's $115 every time they come out, and I didn't sign the contract, so I have no say in it.

      The process is also a little annoying. I'm not sure it would be any better in person, but when I file a claim, I have to wait for Cinch, as the middleman, to pick out the repair people that are gonna come out. I can't just pick somebody myself and call direct. I have to wait for Cinch to see it on the website and contact somebody, then they get back to me. I'd tell people to compare the cost for having someone come out to visit when they file a claim. I have a friend in Arizona with $75 every time they file a claim.

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      Rated with 4 stars
      Verified Reviewer Verified Buyer
      Original review: March 22, 2023

      Our dishwasher wasn't working properly, and when I submitted the service request, I went through an app that I had to download. I then automatically received an email saying, “Hi. You have been scheduled for March 20.” My husband has pneumonia, and I have a fulltime job and a baby. I wasted a lot of my time trying to figure out, “How in the hell do they know that I'm gonna be available here tomorrow? Why are they doing this?” It made no sense and I was so upset. I even reached out to my husband. I thought, “Oh, so I submitted the payment. And now I have to be here tomorrow, and I can't.” There was no calendar for me to say, “Hey, this is the day I want you to come.”

      It was my first time using Cinch, and rather than looking at an outside vendor that I can talk to immediately, I couldn't contact the people directly then when I contacted them, it was just going to voicemail. I was a little annoyed about that because I was stressed out. It took about two days for someone to confirm the call and tell me that the techs were coming. It was a hassle to have to wait for someone to get back to me the next day to coordinate a date. However, I was very satisfied once the technician got out. He was very nice to me, and he explained what was going on. Everything was perfect, and our dishwasher is working now.

      Cinch Home Services response

      Dear M, We aim to send the right technician at the right time to fit your needs and regret this was not your experience. We are pleased to know the assigned provider was able to service your dishwasher in a timely manner and resolve your concerns. Thank you for sharing. – Christine

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      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: March 21, 2023

      My most recent claim was for my hot water heater. The tech replaced it and he did a great job and was very polite.

      Cinch Home Services response

      Dear Patricia, Our goal is to provide reliable service you can count on, and we are delighted to hear we are able to satisfy your home warranty needs. Thanks for sharing. Sincerely, Christine

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      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: March 21, 2023

      I filed a claim to Cinch early in the year. From the time that I filed the claim to when someone was in my home to fix the issue was fine. I guess this isn't Cinch Home but it's just that then the person providing the service was not as responsive as I wish they had been or could’ve been. They weren't timely. They were supposed to arrive at my home at a particular time. I left work early, so I would be there for them because I’m in the area where 30 minutes notice is not gonna work. I live in the DMV. So, it’s bad. They didn't arrive until like 8:00 P.M. When they called, it was like, “I can come another day.” “Well, no, you can't. I've already taken off work.” Within that 4:00 to 7:00 window that they were supposed to be at my home, I was never told they were running late.

      It happened twice. So, the first time they came, they had to order a part. So, the next time that they came, once again, it was an hour later than they were supposed to be here. Two gentlemen at this point came, and it's not very comforting. It was like at 8:30. I'm single, so it wasn't comfortable for me. I have no problem with Cinch but if I had to go back to them, and that was the company or organization that they gave me to call, I would go back to Cinch and ask for somebody else.

      Cinch Home Services response

      Dear Angela, I’m sorry to hear that your claim did not go as quickly as you expected. Please know, we appreciate the valuable feedback you have provided, and we are constantly working on upgrading our processes to become more efficient and provide a better customer experience. Sincerely, Christine

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      Cinch Home Services Company Information

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      Company Name:
      Cinch Home Services
      Company Type:
      Year Founded:
      4700 Exchange Court, Suite 300
      Boca Raton
      Postal Code:
      United States


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