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
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 |
Premier Upgrade Package
The company also sells a Premier Upgrade Package for an additional $12.50 per month. This covers up to $10,000 worth of repairs or replacements within a contract year.
However, some systems and appliances still 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).
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 has three service fee options. 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 | 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. 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
Check your contract for a full list of exclusions
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.”
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.
Compare Cinch Home Services with alternatives
| Company | Customer rating | Monthly starting cost | Service fee(s) | |
|---|---|---|---|---|
![]() Cinch Home Services | View Plan | 4.0 | $38.99 | $100, $125 or $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 | 4.1 | $44.99 | $60 to $100 |
![]() First American Home Warranty | View Plan | 4.1 | $42 | $100 or $125 |
![]() Select Home Warranty | View Plan | 3.7 | $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 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 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 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.
Cinch Home Services Reviews
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- 4,785,745 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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