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Cinch Home Services Reviews

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Edited by: Ben Strauss

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.

Pros
  • Three plan options
  • Three service fees to choose from
  • 180-day workmanship guarantee
  • Covers unknown preexisting conditions
Cons
  • Somewhat high service fees
  • Not available in all states

Featured Reviews

Oxnard, CA
Verified purchase
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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Elkton, MD
Verified purchase
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 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.

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.

Note: Costs are accurate as of the time of publishing for a home in Houston, Texas.

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.

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.

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 ServiceTech

    Reviewed Jan. 13, 2025

    The best part of having Cinch is they either fix the issue or replace your equipment. I have had that situation happen in the seven years I've been with them. The downfall is communication between me and the companies that they send out to fix things. With Cinch, they don't give you any information to communicate. All it gives is an email and tells you, "This is the company that's coming out,” but doesn't give you a number to call. The company is supposed to call you. With the job I have, I can't always answer the phone in the middle of the day. I need to be the one to call them, instead of them calling me. When you call to talk to somebody through Cinch, they put you on hold till they call the person or call the company to find out who's coming to service your equipment.

    But they send out people who are qualified to work on the items that are in your house. They'll ask you the serial numbers and give it to them. They send out a company that can fix it. But, if they're busy, they send out a secondary or the next person in line. For the most part, they're decent about fixing. The timetable it takes to get the stuff fixed is sometimes ridiculous, though. When my refrigerator went out, they couldn't fix it. They were gonna replace it. LG doesn't replace. So, they were sending me a check for what the original refrigerator cost. LG was not communicating very well. All they wanted to do was text or email. They didn't want to call me. For me to get anything done, I had to say that I wanted to purchase. They sent me a check for $1,500. But that took a month and a half for a refrigerator.

    I also had my washing machine fixed. It took a month for it to finally be fixed. The first company they sent out said, "I need to change this motor or this part. The part is no longer made." They went back and they didn't relay any information to me. Cinch has a third party that they get parts from. They searched for the part and it was sent to me. I had to call Cinch to find out who was gonna come and put it in. They sent a private company out to fix it. The part they brought out or they ordered didn't fix the problem. The gentleman tried another part and it didn't work. The gentleman tried another part and it didn't work. Finally, the fourth time, he changed the part and it worked. But it took a little over a month for that to get fixed. But I'm satisfied with Cinch. It's just that the communication part is very aggravating.

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    Cinch Home Services
    Response from Cinch Home Services

    Robert, We’re glad to hear that you’re satisfied with the overall outcome of your repairs and equipment replacements, even though the process took longer than expected at times. We truly appreciate your patience through the challenges you’ve faced, especially with the communication and timeliness issues. We’re sorry for the inconvenience this has caused, and we’re continuously working to improve communication between our customers and the contractors we send out to ensure smoother, faster resolutions. Thank you again for being a loyal Cinch customer. - Social Media Team

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      Verified purchase
      Customer ServiceClaims HandlingTechPunctuality & Speed

      Reviewed Dec. 21, 2024

      I have the premium coverage. So I have not had too many things gone uncovered. What becomes problematic is as the deductibles go up, then one decides if there is something even worth calling them about since I don't know what the issue is. For instance, one issue ended up being a $29 part, and I would have done better to call somebody to just come out. But that's the risk you take. For the most part, I am pleased with Cinch. I've used it enough to know who I like coming to my home and who doesn't have to come back ever again. I had to retract my statement for my last claim because I found out it wasn't the company. It had been the technician that came out this time for the company. I had said flat out, “Don’t let them darken my door,” and did an excellent job. So it wasn't the company that was the issue. It was that particular technician.

      Submitting the claim to American Home Shield is quite easy. It just that they make me get on my hands and knees to find serial numbers. Other than that, the process is fairly simplistic and very quick. For the most part, the contractors have been good and quite professional. My recent claim was for my dishwasher. It wasn't washing properly because the upper arm was not spinning. This was an instance where the job was assigned, and it was assigned to a company that I recognized the name immediately. So I told American Home Shield, “No. No, I know what he didn't do the last time. Don't send that company here.” I had to escalate. So I told them who I wanted and then gave the name and number.

      We have a rep for Realtors. I call her and because she was traveling, driving, she got that name all wrong, and they signed it to someone else. But in the meantime, the original company kept sending texts asking, “Are you ready to schedule an appointment?” I said no. Then they told me, “They'll be there on Monday, between 8:00 and 12:00.” I said no again but I look out my door Monday at 8:30, and it’s the guy.

      I knew immediately he wasn't the same person. I didn't commit to it. It just happened to I was here. So he came in and did a thorough assessment. It was a completely different experience than the prior technician from that same company. I told him, “All I ask is that I don't have to hand wash my dishes for Thanksgiving. That's all I'm asking.” He said, “We can make that happen.” Then on Tuesday, before Thanksgiving, he had us up and running. I'm completely satisfied with Cinch. It’s just how you have to communicate is frustrating.

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      Cinch Home Services
      Response from Cinch Home Services

      Regina, We're glad to hear that you're generally pleased with Cinch and the service you've received. We understand the frustration with higher deductibles and the communication process. It's great that you were able to work through the issues and find a technician who met your expectations. We’ll continue to work on making the process even easier for you. Thank you for your thoughtful review! Sincerely, Angela

      Verified purchase
      Customer ServiceClaims HandlingCoverageTechPriceRefunds & Payouts

      Reviewed Nov. 21, 2024

      I've been with Cinch Home for over two decades and I like that I don't have to pay full cost even though I'm paying a stipend throughout the year. As Chris Rock would say, “Get insurance in case stuff happens.” For example, my air conditioner repair was over $4,000. And even if I'm paying $700 a year, that $700 was worth me coming out of my pocket over $4,000. The process of submitting claims is very quick and they keep making it more efficient. You go online and you put in your information, your serial or model numbers and select which item you're looking for. Then they require you to pay your deductible upfront and they will provide you with a contracting company to contact. You contact them and sometimes they'll call you. But I'm an anxious person so I call them right away and I want to get my appointment in ASAP. But it's a very seamless process and you're in and out of a call within five minutes. Also, I've never had any rude rep.

      When I had an issue with my washing machine's agitator, the gentleman who came out knew he was supposed to change it but he didn't. So I had to get another person to come out, but thank goodness they didn't require me to pay for it because I had to kind of strong arm them and let them know that the first person they sent out didn't do what he was supposed to do.

      Recently, I just got my stuff serviced from an outside vendor just to make sure the AC was running good and my daughter accidentally flipped the switch off, so I had to put in a ticket for somebody to come in because the air stopped working. The gentleman who came out went up and down the steps, then asked if he could take a look in a closet. When he looked in it, he saw the switch was pushed down.

      I was so upset and I told my daughter she can cancel Christmas because she was going to cost me $150. I was so mad. I also wish Cinch home would charge me only a portion of the fee since the tech only came out to flip a switch. There should be some wiggle room in small things like that. But that gentleman was so adamant about getting me back on point. So I've had nothing but good experiences with Cinch Home. They cover just about everything and I like that they have the flexibility in terms of price. If you can't afford that big lump up at one time, they offer monthly payments.

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      Cinch Home Services
      Response from Cinch Home Services

      Rebecca, Thank you for being such a loyal customer for over two decades—we truly appreciate your continued trust in us! We’re happy to hear that our services have helped you save significantly, especially during those big repair moments like your air conditioning repair.

      We also appreciate your feedback on the claims process and our team’s efficiency. We’re glad to know the process has worked well for you overall, even though we understand your frustration with the issue around the washing machine agitator. We always aim for things to go smoothly, and we’re sorry for the oversight with that first technician.

      We also hear you about the $150 charge for the recent service, and we’ll take that into consideration as we continuously work to improve our offerings and flexibility.

      Thank you again for your valuable feedback! If you never need assistance or have any other concerns, please don't hesitate to reach out—we’re here to help!

      Best Regards,

      Angela

      Verified purchase
      CoverageTechPunctuality & Speed

      Reviewed Sept. 17, 2024

      We've had three problems so far. Two of them got handled. There was a problem identified with our air conditioning unit, which is working, but needs major maintenance. We were informed by Cinch Home Services they would only fix it if it breaks. We were disappointed that there wasn't more coverage for the air conditioning unit outside of having to sit here and hope it breaks so they would replace the unit or do something to it. But it is what it is. That is what the warranty says. Also, we've had two different contractors. One went very well. That was on a refrigerator. The first person Cinch sent was incompetent and made the problem worse. But Cinch sent out a second repairman and he fixed things fine.

      We have a double oven. The top oven would not heat above 375 degrees. Cinch sent a man out. He turned the oven on. It went up to 375. He said, “Here. See, it works fine." I explained to him the problem, which I already explained to a rep who did not come here. So, he wasn't familiar with what the complaint was. They did a video. Looked at the oven. I turned the oven on. They asked me to check if heat came from the top. And it was. They asked me if heat came from the bottom. There was no heat. So, they thought whatever heats the bottom needed to be fixed.

      When the tech came and turned on the oven, the next thing he did was turn on the bottom and he said, "See, there's heat coming from the bottom." I said, "No, no. The bottom oven works fine. You're probably just feeling the heat from the bottom oven coming up into the top oven." I almost had to scream at him to get him to pull the oven out so he could look and see what was wrong. Finally, he agreed to do that. And he looked at the top oven.

      After he looked at it, he pointed to me there was a yellow component of some type and he said, "This is bad." I said, "Oh, what does it do?" He said, "I don't know, but it's bad." He did what he felt he needed to do. The oven turned on and it heated up. But what we found out later when my wife went to cook with it was it would heat up and would just get hotter and hotter. For instance, it was supposed to be 400 degrees. I don't know how hot it got, but it got to 700 or 800 degrees. So, whatever he did made the whatever causes the heat to go up to have no limit. We called them again. Another guy came a week later and fixed it with no problem. And I specifically asked Cinch not to send the first guy again. The warranty is worth having. You just need to make sure you understand exactly what it is you're buying.

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      Cinch Home Services
      Response from Cinch Home Services

      Steven, thank you for taking the time to provide us with this feedback. We are thankful that we are able to be there to make your life a little easier and provide some peace of mind. We look forward to many more years of partnership!

      Verified purchase
      Customer ServiceCoverage

      Reviewed July 27, 2024

      I've done three claims with Cinch Home Services. The last time I used it, I did it through an app and it was very smooth. We had somebody there in less than 48 hours. It was all well done. But a lot of times, it has led to nothing. When I do a claim, by having Cinch, I hope that the air condition broke and I would get a free one. I tell people that I have it and I like it. But I tell them that when I have to write that check for 700 bucks, whatever it is in December, because that is when my thing expires, I always hate writing that. But when my wife called and said, "The air condition didn't work," which happened last time I used Cinch this year, it was one of those things where it was, "All right. I know I just gotta pay a deductible. And I know I don't have to worry about paying a huge bill coming up because it's gonna be taken care of no matter what it is." I like that.

      Just like any insurance, I need it when I need it. But if I don't use it, it's sometimes like, "Dang." For instance, the last time I called just to get the wiring done, it ended up being a couple of wires that were corroded. If I don't use Cinch the rest of this year, I pay $700 to have it and I paid another $200 deductible. So, 900 bucks for what could have been maybe a $300 deal. But I would never know what the rest of the year would bring.

      I would always keep buying the policy. We have older appliances and I don't replace them because I'm waiting for them to break so I could hopefully get them replaced at one time. Over the years, the policy kept going up. And if it would get to be $1,000 a year and a $400 deductible, I would be better off taking my chances. And when something goes, fix it or buy something new. But as of now, it's a good idea based on the age of your appliances and your house.

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      Cinch Home Services
      Response from Cinch Home Services

      Ryan, We understand that the cost of the policy can feel significant, especially if you don't use it often, but we're glad to know that having Cinch provides peace of mind for those unexpected situations. We appreciate your continued support and recognize the importance of having a reliable home warranty, especially for the breakdown of older appliances. Thank you for your feedback! Sincerely, Angela

      Verified purchase
      Customer ServiceClaims HandlingCoverageTechPriceOnline & App

      Reviewed July 5, 2025

      Cinch Home Services was recommended by my real estate agent while I was purchasing my home in August 2021 and my experience has been positive overall.

      Submitting claims is a straightforward process, and I've appreciated the user-friendly tools available on their website. There was only one instance where I experienced trouble submitting a claim because the system mistakenly connected it to a previous issue. Thankfully, their customer service guided me through resolving it.

      The contractors from Cinch have been excellent so far. They tend to issues efficiently, helping manage the anxieties of home ownership. While I believe there's room for improvement with the online tools for submitting claims, it's understandable in our current technological landscape.

      Customer service has been satisfactory, allowing me to multitask while working from home as I wait on hold. It's manageable and similar to what you find widely elsewhere these days. The coverage provided by Cinch is commendable, even if the pricing can feel a bit frustrating due to rising costs.

      What I appreciate most is the reduction of stress Cinch provides in home ownership. The sense of security from knowing repairs are efficiently managed is invaluable. I often tell friends and family that having this service makes home ownership more enjoyable and less daunting.

      Though there was a technical glitch with my claim involving a faulty toilet, customer service resolved the mix-up distinctively since it was different from an earlier incident. This reassurance reinforced my trust in their service. Despite the hiccup, my overall satisfaction remains high, and I would encourage others to consider Cinch for their home warranty needs.

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      Cinch Home Services
      Response from Cinch Home Services

      Susan, Thank you for the thoughtful review! We're so glad to hear that Cinch has helped ease the stress of homeownership and that our team and tools have been valuable overall. Your feedback means a lot, and we appreciate you recommending us to others! Sincerely, Angela

      Verified purchase
      Customer ServiceClaims HandlingTechPriceOnline & App

      Reviewed July 5, 2025

      We knew there would be some issues with the house, so we asked the sellers to put it in the contract. They went with Cinch Home Services. I've been using their service for about seven and a half months since December. The process of submitting a claim is straightforward for me as I prefer using their website rather than calling, mainly because I'm not a fan of talking on the phone. The site works well as long as I remember my password.

      My experience with the contractors has been mixed. For instance, the first contractor for my refrigerator never called me back, but once Cinch assigned a new provider, everything went smoothly. The quality of service from contractors varied, with the refrigerator guy earning an 8, the plumber a 4, and, unfortunately, the first refrigerator guy would get a 0 for lack of communication. Luckily, I eventually figured things out myself. Regarding the service itself, I've been quite satisfied, mostly because of Cinch's responsiveness, although I wish the service was less expensive. Whether I'll renew is still up in the air, but so far, my interactions with Cinch have been generally positive.

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      Cinch Home Services
      Response from Cinch Home Services

      Matthew, Thank you for sharing your experience! We're glad to hear you've found our website easy to use and that our team has been responsive throughout your time with us.

      We appreciate your honest feedback about the contractors—it's helpful as we work to ensure consistency across the board. We’re sorry to hear about the initial issues with the refrigerator provider and are glad things improved once a new technician was assigned.

      Your satisfaction means a lot to us, and we hope to continue earning your trust should you decide to renew.

      Sincerely,

      Angela, Customer Relations

      Verified purchase
      Customer ServiceClaims HandlingTechPunctuality & Speed

      Reviewed July 4, 2025

      When I submitted a claim with Cinch, the technicians arrived promptly and quickly identified and fixed the leak issue in my home with impressive efficiency. Their service was top-notch, and they didn't take long at all.

      The techs were very efficient in their work. The claim submission process was smooth, and the response was prompt. I experienced no troubles or issues afterward.

      I've had a seamless experience with Cinch, and I would recommend them to others. Overall, I am quite satisfied with their service.

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

      James, Thank you so much for your kind words! We’re thrilled to hear your experience was seamless — from the smooth claim process to the quick and efficient repair. It's great to know our technicians delivered the top-notch service we strive for.

      We truly appreciate your recommendation and are grateful for the opportunity to support your home.

      Sincerely,

      Angela, Customer Relations

      Verified purchase
      Customer ServiceClaims HandlingTech

      Reviewed July 4, 2025

      I've had Cinch for almost a year now, and submitting a claim has been fairly easy so far.

      One issue I've encountered was with an AC unit replacement. The contractor assigned by Cinch completed the job, but unfortunately, the unit isn't working as expected. Although I've been quite busy, I plan to contact the technician again to resolve this.

      Overall, their service has been reliable, and the customer service has been commendable. However, there could be improvements in the initial contractor assessments. The first technician marked the job as complete even though it wasn't, which was frustrating. Despite this hiccup, Cinch is a good and reliable choice for a home warranty.

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      Cinch Home Services
      Response from Cinch Home Services

      Peace, Thank you for taking the time to share your experience with us. We're glad to hear that submitting a claim has been smooth and that you’ve found our service and customer support to be reliable and helpful. We're sorry to hear you've continued to experience issues with your air conditioner. If you need help with this, please let us know and we'll follow up directly. We're here to support you. Sincerely, Angela

      Verified purchase
      Claims HandlingCoverageTechPunctuality & SpeedOnline & App

      Reviewed July 4, 2025

      My realtor recommended Cinch, noting her positive past experiences. We've been using their service since March and although my initial attempt to submit a claim via their app was frustrating due to a prior cancellation, their phone support thankfully resolved it swiftly. The automated system could be more user-friendly, as reaching a live representative was initially difficult. However, once connected, their assistance was excellent.

      We've had only one contractor through Cinch, but he was exceptional — knowledgeable, patient, and transparent about the repair process. Our claim involved a non-functional air conditioning unit, and he promptly replaced the faulty compressor during a particularly hot period.

      While the service provides great peace of mind against unexpected home repairs by just requiring a deductible for major fixes, improvements to the automated system would be appreciated. For instance, I wasn't initially given an estimated time of arrival for repairs, which was concerning given the situation's urgency. Despite these minor kinks, our issues were swiftly addressed once we reached someone, and the repairs were done efficiently.

      I would definitely recommend Cinch to others. The financial relief it provides by covering major home repairs outweighs the small inconveniences I faced with their automated system. The overall experience has been satisfying, and I appreciate the security and value their service offers.

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      Cinch Home Services
      Response from Cinch Home Services

      Taylor, Thank you so much for your thoughtful and detailed review! We're truly grateful to have been recommended by your realtor and to know that you've been with us since March.

      While we regret the initial frustration with the app and automated system, we're glad our phone support team could step in quickly and turn things around. Your feedback is incredibly valuable, and we’re actively working to improve our digital experience, including clearer communication on technician arrival times.

      It’s great to hear that your contractor delivered top-notch service — especially during a high-stress situation like a broken AC in the heat. We’re proud to partner with professionals who embody the care and transparency you described.

      Your kind words about the peace of mind and financial relief Cinch provides mean a lot to us. Thank you again for your trust and for recommending us — we’re honored to be part of protecting your home.

      Sincerely,

      Angela, Customer Relations

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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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