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Cinch Home Services

Cinch Home Services
Overall Satisfaction Rating 4.02/5
  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars
Based on 796 ratings submitted in the last year

Cinch Home Services, formerly known as TotalProtect Home Warranty, is a home warranty provider with more than 40 years of experience. Cinch offers coverage for appliances, heating and cooling systems, plumbing, electrical and more. Costs start at less than $1 a day. Cinch has a six-month guarantee on covered repairs, plus appliance discounts, credit toward air conditioner or water filters and a free leak sensor.

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180 Day Workmanship Guarantee
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Cinch Home Services offers three home warranty plans at affordable monthly rates. Although its service fees are a bit higher, the company has an excellent workmanship guarantee.


  • Plans starting at less than $1 a day
  • Great coverage
  • Long workmanship guarantee


  • Higher service fee

Top Cinch Home Services Reviews

Rated with 5 stars
Verified Reviewer Verified Buyer

The technicians that came out were polite, knew what they were doing, and got the job done as quickly as possible. I've had very good experiences all the times I've used TotalProtect.

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Rated with 5 stars
Verified Reviewer Verified Buyer

I like how quickly they get things done. Usually, I have someone here within 24 or 48 hours, and they settle a claim really quick, and I've not had any problems with them. ... The warranty really helps, especially when we get older. It's nice to know you got backup.

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Rated with 5 stars
Verified Reviewer Verified Buyer

I had a claim on a Sunday afternoon for our air conditioner that was acting up. I had a call from the service company at 8:00, Monday morning wanting to know if they could come out to check my AC unit it. They told me they could be at my place in 20 minutes. It can't get any better than that.

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Rated with 5 stars
Verified Reviewer Verified Buyer

Every service repair that we've had over the 10-plus years has been professionally done and very satisfactory to my liking. As a matter of fact, the amount of time it took to get somebody to come in here from the time I called and the work that they performed were excellent.

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Cinch services

Cinch offers three plans — the Appliances Plan, the Built-in Systems Plan and the Complete Home Plan. Each plan comes with standard benefits.

  • 180-day workmanship guarantee: If there’s a problem with an appliance or system in the first 180 days after a covered repair, Cinch will fix it again with no additional charge.
  • Protection for preexisting conditions: You won’t have to pay for repairs just because of a preexisting home condition you didn’t know about.
  • Rust and corrosion coverage: Your service request won’t be denied because of rust.
  • New appliance discounts: Cinch can help you save money when purchasing new appliances.
  • Additional home management tools: Plans include $25 toward A/C or refrigerator filters and a free sensor to detect water leaks.

Cinch coverage

Cinch has three levels of coverage. For the best value and highest level of coverage, we recommend the Complete Home Plan. The Cinch Appliances Plan is the most affordable option, and the Built-in Systems Plan offers a moderate level of coverage.

You have several options for filing a claim with Cinch. You can call the customer service line, file a request through your online account or open a claim through Cinch's Alexa app.

Cinch Appliances Plan
Cinch’s most affordable plan has coverage for the following items:
  • Clothes dryers
  • Clothes washers
  • Cooktops
  • Dishwashers
  • Food centers (built-in)
  • Free-standing ice makers
  • Microwaves (built-in)
  • Ranges
  • Range exhaust hoods
  • Refrigerators
  • Trash compactors (built-in)
  • Wall ovens
Cinch Built-in Systems Plan
Cinch’s Built-in Systems Plan offers moderate coverage for the following items:
  • Air conditioning, including ductwork
  • Attic fans
  • Ceiling fans
  • Central vacuums
  • Doorbells
  • Electrical system
  • Garage door openers
  • Garbage disposals
  • Heating system, including ductwork
  • Instant hot/cold water dispenser
  • Plumbing system
  • Smoke detectors
  • Sump pump
  • Toilets
  • Water heater
  • Whirlpool/jetted tub (built-in)
Cinch Complete Home Plan
The Cinch Complete Home Plan covers everything in both the Appliances and Built-in Plan to give you the most comprehensive protection and it includes Homeowners Insurance Deductible Reimbursement.

Cinch cost

We found that the most comprehensive Cinch plan with the highest deductible in Houston, Texas, costs $49.99 a month. Cinch’s plan costs vary based on where you live and the deductible you choose. Cinch has three deductible, or service call fee, levels: $100, $125 or $150. Expect a higher monthly cost if you choose a lower deductible.

PlanService call feeAverage monthly cost
Built-in Systems$150$39.99/mo
Complete Home$150$49.99/mo
Prices quoted for Houston, TX. Prices may vary by location. Request a free quote to receive pricing for your location.

Cinch FAQ

How can I manage my Cinch plan?
You can manage your Cinch plan from your Cinch account online, which lets you download your contract, open a service request and update your information.
Does Cinch have a workmanship guarantee?
Yes, if a problem resurfaces within 180 days after the covered repair, Cinch makes a new repair at no cost to you.
Are there limits on repairs?
Yes, in some cases there are limits to the amount Cinch will pay to repair specific items.
Is Cinch a new home warranty company?
No. Cinch Home Services was previously known as Cross Country Home Services and sold warranties under the TotalProtect brand. The company recently changed its name to highlight its commitment to making owning a home easier.
Does Cinch offer any other coverage?
Pools, spas, well pumps and sump pumps are optional add-ons. Cinch also offers separate plans for surge protection, tech support and preventive maintenance.

Do we recommend Cinch?

We highly recommend the coverage Cinch offers. Its three plans, in particular the Complete Home Plan, offer great coverage at affordable rates. The 180-workmanship guarantee is two to three times as long as the guarantee provided by its competitors. We also like that it has several ways to open a service request, including through the Alexa app.

Cinch Home Services Reviews

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Nov. 18, 2019

I had a couple of bleeps in the first claim, and I don’t know how or who made the mistake. I needed to have the furnace fixed, and a young man came out. He seemed disorganized, he got lost and then he looked at the furnace. He said he was fixing what was wrong with the air conditioner, and he said it was the compressor. I said, “Shouldn’t you find out if the furnace needs to be fixed first to see if that has anything to do with the broken air conditioner?” And he said, “No, I looked at it.” Then, he didn’t call back. I called Total and the first woman said, “That’s not right. We’ll give them 24 hours.” I called again and the woman said, “We’ll give them 48 hours.” And then the third guy said, “Let’s give them 72 hours,” and I was like, “I don’t understand that.”

I got a second person assigned to the furnace, Dennis, and he was wonderful and he took care of it. However, he said that if they upgraded slightly, I would’ve gotten a $300 rebate on the furnace, and my cost was $1,800. Also, I had paid that first guy who never returned the call, which meant that the second guy got paid separately for the furnace and then for the air conditioner. So, I paid two extra service calls when it should’ve only been one. I’m still waiting for that first guy. Total said that that should be reimbursed, but I don’t know what happened to that.

With the most recent claim, I’m having trouble with Whitney Electric & Plumbing. A young man came out and he went through. I thought that Total got an estimate from him, but when I called them, it seemed like he missed a couple of things. He was going to submit the diagnosis of what it would take to fix it. I called Total back, and the last thing from them was that they were submitting another estimate because I had written down and emailed them the different things that I thought needed to be fixed just in case. Total was going to email me, and they haven’t answered the phone. The last thing they said was to wait three or four days for the contractor to send in the new thing and for them to estimate what the thing was. So, it seemed like something was not organized correctly.

The other thing that I questioned, which I thought I only saw for the first time, was my bill went down. I’d never seen that go down before, and I was concerned that there was an error, that they weren’t billing me for all the services that I wanted. A man came on and he said that I have the same services, but they were just charging me less money. I don’t know if that was accurate, and it makes me nervous because I know everybody makes mistakes. With the last man who said that my policy did not change, I asked, “Can you email that to me?” And he said, “No, I can’t.” They were supposed to email me the estimate when they received that, and I haven't gotten that either so I’m a little worried. Plus when I signed up originally, they didn’t give me the right website and I couldn’t get through.

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Cinch Home Services response

Patricia, We appreciate you taking the time to share your warranty experience. We do our best to provide quick and reliable service and we thank you for being a loyal customer. We are sorry to hear that your interaction with one of our service providers was less than satisfactory. I'm sorry to hear about this experience.  It’s definitely not the level of service we aim to provide. Thank you for sharing. - Austin

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Sept. 20, 2019

    TotalProtect was already with my home when I purchased it. I've been protected with TotalProtect since 2010. I never had a problem when submitting claims. I haven’t had to submit a lot of claims, but whenever I called, they had somebody usually out the next day. I had a claim once for my water heater that wasn’t producing hot water. I had a claim for my refrigerator when the icemaker wasn’t working. Then, I had an air conditioner claim, and it was a big one. They kept coming out and would keep replacing the parts, and my father ended up purchasing another one because my unit was very old because my house is older. My house is from 1990. I've had my air conditioner replaced in 2013 and they did come out to fix it right away, and the guy was able to do it, which brought the bill down. And then, it stopped cooling.

    I've always had very nice people that came here. But I had a problem with my other refrigerator. It wasn’t cooling and the freezer froze up completely where the whole thing was full of ice. So, the guy came out right away, and he said, “I don’t think we can get the part for it but I'll put the request in and we’ll get back to you in a day or two or three days.” So, we did that. They told me that they had scheduled him to come back and he would install the part that I received. So, I called back and told them I didn’t receive any part. So, this went back and forth. Sears was the people that they sent out. And then, the guy was supposed to come, but I kept canceling, and I said, “I don’t have the part. Nobody shipped me a part.” So, then the Sears guy said, “We're not sending him anymore. We're canceling you out. You have to call the warranty people back. And the reason is because we can no longer get this part ‘cause the refrigerator is an older one.”

    I called TotalProtect back and it was very difficult to get through. To try to get a human is really the most aggravating part because they would say, “Well, we have your number listed and you're scheduled for an appointment or you're working with such and such. They did not receive the part, so they'll contact you.” However, when I finally got somebody, she helped me. She was a manager and she was phenomenal. She was on top of her game. I really liked her. Once I got her, then I was in the clear. I trusted her completely.

    I would still recommend TotalProtect. The thing was if the Sears people would have contacted the protection agency, they would have gotten the part because they were able to get it. So, when they sent another guy out, he came right away, and he said to me Sears did not go through them. He said, “I don't know what they did, but they probably looked on their own.” And in fact, they did get it, but they shipped it to his company where he worked out of Northern Florida. So then, they had to ship it back down here, which he told them to ship it down here, but they didn’t. They shipped it up to where he works. So, after a long time, I finally got it, but it was his problem. So, he worked out that he was having problems at home and that was why he was not able to get here.

    I told him I was disappointed because I really liked him. And I said, “All you had to do is be in contact with me and I would have been fine, but you avoided me, and that’s where I was on the phone constantly with the woman who was helping me out." This has been three and a half weeks, which finally, he did come. So, it was resolved. I was gonna call TotalProtect because I couldn’t get an answer and I was getting kind of aggravated. I couldn’t get through and get in the machine until the girl was able to help me. And once that happened, everything was fine.

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    Cinch Home Services response

    Mary, Our purpose is to meet your needs always. We thank you for sharing your experience with us and hope to have you as a customer for years to come. Sincerely, Angela

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Sept. 14, 2019

    My daughter had TotalProtect at a home that she bought a great number years ago, and we’ve had this plan for 10 years. We bought a brand-new home, and the home had a two-year warranty on it, on the home itself, not appliances. Then we heard about the home warranty and thought it was a good investment. Over the 10 years I've been a member, I've had an automatic garage door opener and a hot water heater replaced, and I've had the air conditioner literally worked on several times.

    The home warranty people are good, but there are some things that I don’t like about the warranty. Sometimes they use service centers that are a long, long way from where I live and maybe sometimes they only offer like a tier 2 product to replace. Like I had a Genie garage door opener and they put a Raynor in, which is I know a much lesser grade. When my hot water heater went out, they put a very low-grade hot water heater in. The replacement part product name brand-wise is not as good as what we had in the house.

    But the claims submission process is fairly smooth and easy going. We call the home warranty number and it typically is a recording and then it asks us what it is. Like if it’s air conditioning unit, I am to press a certain button and then it registers the complaint, and it sends it to the air conditioning service center that the home warranty company uses, and they say we’re getting a call from them. Within an hour we got a service company calling us.

    The gentleman that’s been doing my air condition work is a fine guy. He’s quite a ways away from me. But he seems to be a nice and very knowledgeable guy. He’s been very friendly and very helpful. We have a 21-year-old air conditioning system, and we’ve had it worked on. Third year in a row we’ve had to have some coolant added. This time, he was just out a month ago and put several pounds of coolant in it, and now it’s down again. But this time they found the leak.

    I wish sometimes they would take into consideration the age of this unit, and just say, “Hey, here’s a certain amount you pay and this’ll replace it,” so we can go another 10 or 15 years down the road and not have this similar problem. Typically, you take an old unit, you start putting new parts in it, the new parts work so much better than the old parts, next thing you know the old parts start breaking down. I understand how the program works, they’ll only replace what’s broken. But in our situation with this unit, the whole air conditioning unit needs to be replaced. But we do what we have to do. But overall, I’m satisfied with TotalProtect. I'm pleased with the service. Their program does what it says it’s gonna do.

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    Cinch Home Services response

    Steven, Thank you for being a valued member with TotalProtect for 10 years! We appreciate your feedback and are sorry to hear that some claim experiences did not go as you expected. We will ensure your feedback is directed back to the appropriate department for review and handling. Thanks for sharing - Christine

    2 people found this review helpful
    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: July 29, 2019

    I’ve been in real estate since 2005. Once I bought my first house in 2001, I started renting it out in 2004. That’s when I knew I had to have a warranty company. I’ve been with other warranty companies and it was the pricing which was the reason I left them. I switched over to TotalProtect a few years ago but now, I’m starting to see the light and I don’t know if I should continue. I’m a little frustrated and discouraged with what’s going on with two of my properties. Do I wanna just go ahead and pay a little bit more and not have to worry about the rigmarole and denial of claims and all of that? That part is a little disheartening right now.

    I’ve had TotalProtect on my property in Alexandria, Virginia for about three years now. I don’t remember having any problems with them but right now, I have a good tenant, a military lady, who just moved in June and her air conditioner has been giving her problems for the last couple of weeks. The representative came out Thursday or Friday and when they did make it out, the tenant called me and said the contractor was probably not gonna take care of it because it was dirty. It was so embarrassing for them to talk to her about all these stuff instead of contacting me. I called them three times. I even sent them a text message, and they have not responded to me.

    This morning, I finally got a status from the representative and she said the contractor said that the coils, etc need to be cleaned before they can go to the next step. I said this particular unit gets serviced yearly and I’m not due for my next annual service till next week. I have those records. I told her I don’t wanna think that they're just looking for ways not to take care of this condenser or whatever is wrong with it. I don’t know if it’s the condenser or compressor, but there’s something wrong with it. All I can think of is that I have a good paying tenant and she doesn’t have air. I finally had to tell her go to a hotel and I’d pay for it over the phone. And that’s what I did. This is just very unsatisfactory because I pay my fees every month without problem.

    I was told that they thought that it was just a breaker so we had an electrician come out. There were just so many different things. I currently have two homes with TotalProtect. I just sold two homes and and I have another one that I was thinking about picking up service with. Because of these two experiences here, I’m shopping around right now and have not found a company yet. I’m just very hesitant because of what’s going on. I’ve been waiting to get my dishwasher fixed for at least two months now. The last month had been part problems. We waited for two, three weeks for a part. Then they sent the part and it was a wrong part so now, I’m waiting again for an update. Sometimes, TotalProtect has been good, but these last six months, they haven't been.

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    Cinch Home Services response

    Aki, Thank you for letting us know how we are doing! We are constantly improving our processes to better our customer experience. We hope you reconsider to be a member for many years to come. - Angela

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: May 10, 2019

    Someone who has TotalProtect referred me to the company. There been a few bumps but TotalProtect makes sure that whatever I was calling about was definitely being serviced. That's what I like about them. They stick with you through the long haul and that shows their quality. There were a couple of times that they should not have used a company that they referred me to and I expressed that to them. They got someone else and it all turned out well. Overall, they've really been good. I had service on the garbage disposal, my refrigerator, and some plumbing stuff. TotalProtect always put someone. In fact, anytime I have a plumbing issue, I'm pleased to use the same company that they've been referring out to me. That has worked out very well.

    My last experience was my refrigerator and unfortunately, I had to have four people. It was the last one that came out that really found the problem. That was really where my highest level of frustration came that I just could not believe that the incident was not found out. Each time if someone came, they said it was being fixed and it was all fine. But by the next day, the same problem was still back. But the fourth person really broke the refrigerator down and thought he fixed it. But when I called and he came back, he did something a little different that no one did before and that ended up fixing the refrigerator.

    TotalProtect is a wonderful company that's why I'm using them. In my case, if something wasn't fixed, I had no problem calling back. That's what it's really all about. You keep pushing and insisting what needs to be done until you get something fixed. At some point, because I was frustrated, I told TotalProtect that if they couldn't fix the refrigerator, they needed to just give me one simply for the fact that I have my father who is an elderly senior. I am his caregiver and we keep a lot of medication in the refrigerator.

    But with the way my kitchen is configured, I was really hoping not to get a new refrigerator because I would have to have a little bit more space. I was glad that in the end, the refrigerator was fixed. It was just the point in any situation, you are the consumer, you're expecting good customer service and you are paying for a service. I was just determined that I was gonna hang on in there as long as TotalProtect was hanging on in there with me. I wanted it to be done and done correctly.

    TotalProtect provides good customer service. Even though I've been the one to initiate calls, I like that it doesn't take a lot for me to tell them that they need to go back to their record or go back to the file and look at the previous notes. I don't know how their system is set up and how it really works, but I think that it's something that needs to be at least at the forefront when you're speaking with the representative of the company especially if it's an incident with someone who is calling back over something that has not been fixed.

    When I get someone on the phone, I don't mind giving them a brief synopsis. But I don't wanna have to go totally through step-by-step when there were notes taken. That should definitely be the direction that the representative should be looking at. If they are still not understanding or they're not seeing it clearly enough and they still have additional questions, I don't mind filling that in. But it is a good thing that part of the customer service in relation to when I'm speaking to someone from the company, it's just saying, "Give me a minute. Let me look over, see what it is." They can go from there instead of saying, "Tell me what's going on," when I've already told two or three people that.

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    Cinch Home Services response

    Deborah – We appreciate you taking the time to provide your feedback about our service. We intend to provide efficient claim resolutions and are sorry that was not always the case. We are glad to hear that you’ve received good customer service and have been pleased with your experience overall. Thanks, Angela

    2 people found this review helpful
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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 31, 2020

    TotalProtect has been very helpful and it's easy to submit a claim with them. Their website is good and very informative. They gave a window of time on when to expect the contractor to come out. We only had one come out and he was great. Since then, everything has been very good. Overall, it was an easy experience and I was very satisfied.

    Cinch Home Services response

    Jana – We value your feedback, and appreciate you taking the time to tell us about your overall experience with the warranty. We strive to have an effortless claim process, and are happy to hear you’ve been pleased with the service you’ve received.- Dena

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    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: March 26, 2020

    Whenever we called, TotalProtect came out. Their contractors are not bad. They come and do their job and I have no complaints. My house is actually on rent. The last two years, there were two jobs for us. The tenants said there was something wrong with the refrigerator and they fixed it. Then recently, the tenants had a water leak, and they fixed that as well so I paid for it. The only thing was that when we started TotalProtect, they were only deducting 75. Now, they’re deducting 125. I don’t know later on, they might up that too. But I have actually recommended people to them. They’re pretty good.

    Cinch Home Services response

    Victoria – We appreciate your recommendation and it sounds like your expectations have been met! In an effort to keep premiums low, we did need to raise the deductible required for service due to rising claim costs. Thanks for sharing. - Christine

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 25, 2020

    TotalProtect was marketed through our mortgage company and acquiring it seemed like a good idea. Our house was built in the late '70s and we anticipated that we would need some repairs. It has been working fine. They've always resolved whatever issue we had been having. The last time, we submitted our claim online and it worked very well. The people they've sent have been very accommodating. Once, when our water heater went down, the guy wasn't able to come and we had to get a different company assigned to the claim. We've had a good experience with TotalProtect for the 10 years that we have been using them.

    Cinch Home Services response

    Cathleen, We do our best to provide a simple and straightforward claim experience for our customers and are thrilled to hear you’ve been with us for the last 10 years. Have a great day! – Dena

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 24, 2020

    We’ve been using TotalProtect for a long time. We just came back again and it's all right. The contractors did their work.

    Cinch Home Services response

    Risikat – Thanks for sharing! – Austin

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 23, 2020

    Whenever I have a claim, I call TotalProtect, they take my number down and then they assign whatever person is supposed to be doing it. They tell me that it's in my area, they give me the name of the company and they let me call the company to verify an appointment. But it gets a little confusing in between all that as to who calls who because it's all on a recording, which is one thing I don't like about it. They're just supplying me with information but then I can't ask them anything anymore. And then the same number they give is one that's not getting me anywhere.

    They also say to wait at least two hours and if the company does not call, then I should call TotalProtect back. So, I do that and it's the same recording that I have already heard before and I get nowhere. That's the most frustrating part about it. Earlier on, it seems like they have somebody working there and they have a real person when I call in, which is perfect. But this time, they put us onto a recording and sometimes I can't even understand them. That's the part that's not good but once I get ahold of a person who's supposed to help me, then it runs smoothly.

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    Cinch Home Services response

    Diane –Your feedback is appreciated and will be provided back to the organization to help improve our processes and procedures. We will ensure it is provided to the appropriate department for handling - Dena

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    Cinch Home Services Company Information

    Social media:
    Company Name:
    Cinch Home Services
    4700 Exchange court
    Boca Raton
    Postal Code:
    United States
    (855) 898-0088