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Published: Nov 17, 2023 12 min read

Cinch Home Services stands out for its comprehensive systems plans which cover items that many home warranty companies offer as add-ons. In addition, all plans include a longer-than-average workmanship guarantee of 180 days, versus the typical 60-day guarantee most companies offer.

Below, we review Cinch’s plans, coverage limits, add-ons and its availability to help you decide if this particular home warranty provider is the right one for you. We also evaluate common customer complaints and how the company compares with other warranty service providers.

Table of Contents

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  • 30-day workmanship guarantee

Cinch Home Services Overview

Headquartered in Boca Raton, Florida, Cinch Home Services is a home warranty company that offers multiple plan options, along with access to a nationwide network of service professionals and a 180-day workmanship guarantee for all repairs.

Pros
  • Three services packages and deductible amounts to choose from
  • 180-day workmanship guarantee
  • Unknown pre-existing conditions, rust and corrosion are covered
Cons
  • Online reviews indicate the company may have trouble responding to service requests in a timely manner
  • Limitations and exceptions apply
  • Service call fees are between $100-$150, higher than the industry average

Cinch Home Warranty Services

Cinch Home Services plans and coverage

Cinch offers home warranty plans for single-family residences, condominiums, townhomes, villas, modular homes and manufactured homes anchored to a permanent foundation.

The company features three coverage options:

  • Appliances plan
  • Built-in Systems plan
  • Complete Home plan

Cinch’s appliance warranty plan is the least expensive of the three and covers only household appliances. The Built-in Systems plan only covers home systems such as plumbing, heating and air conditioning (HVAC), whereas the Complete Home plan covers all components included in the Appliances and Built-in Systems plans.

You can choose from a deductible of $100, $125 or $150, which will determine the cost of your monthly premium.

All plans include a 180-day workmanship guarantee, coverage for unknown pre-existing conditions and discounts on new appliances from specific brand names. Additionally, Cinch’s plans include coverage for a maximum of two units of each covered appliance per contract agreement, a perk not many companies offer.

Cinch’s plans cover the following home systems and appliances:

Appliances
(Starts around $72.99/month)
Built-in Systems
(Starts around $76.99/month)
Complete Home
(Starts around $93.99/month)
- Clothes dryer
- Clothes Washer
- Cooktops
- Dishwashers
- Food centers (built-in)
- Freestanding ice makers
- Microwaves (built-in)
- Ranges
- Range exhaust hoods
- Refrigerators
- Trash compactors (built-in)
- Wall ovens
- Air conditioner or water filter credit
- Air conditioning
- Ductwork
- Attic fans
- Ceiling fans
- Central vacuums
- Doorbells
- Electrical system
- Garage door openers
- Garbage disposals
- Heating system
- Instant cold/hot water dispenser
- Plumbing system
- Smoke detectors
- Sump pump
- Toilets
- Water heater
- Whirlpool/jetted tub (built-in)
- Air conditioner or water filter credit
All the items covered in the Appliance and Built-in Systems plan, plus:
- Homeowners insurance deductible reimbursement
*Prices may vary depending on your state. Current quoted prices are for a home in New York.

Optional add ons

Cinch lets you customize your plan and add optional coverage for the following systems:

  • Pools (with heaters included)
  • Spa (with heaters included)
  • Pool with spa
  • Septic tank/pumping
  • Well pump

Additionally, Cinch offers a Premier Upgrade Package which includes up to $2,000 of coverage per year for costs related to permits, codes, upgrades, removal and disposal.

Coverage limits

As is typically the case with home warranties, policies come with coverage limits which are the maximum amount you can receive if a covered appliance or system breaks down.

Cinch’s home warranty plans have an aggregated maximum liability of $10,000 per agreement term. This is the maximum amount the company will pay for all claims submitted during the coverage period.

There are, however, specific coverage limits for particular appliances and systems. These include the following:

Covered item

Coverage limit

Aggregated maximum liability

$10,000 per agreement term

Air conditioning and heating

$1,500 per agreement term

Repairs requiring access through concrete

$1,000 per agreement term

Plumbing

$1,000 per agreement term

Water heaters (two units maximum)

$1,000 per unit, per agreement term

Poll and/or Spa

$1,500 per agreement term

Free standing freezer

$2,000 per agreement term

Septic system

$500 per occurrence
$1,000 for replacement

Well pump

$1,500 per agreement term

Outside gas line

$2,000 per agreement term

Outside sewer

$3,000 per agreement term

What Cinch Home Services doesn’t cover

Cinch Home Services doesn’t cover mobile homes, multifamily properties with more than two units, properties used for commercial purposes or historical homes.

In addition, Cinch’s home warranty doesn’t offer coverage for:

  • Routine maintenance or cleaning
  • Items covered by another insurance, guarantee or warranties, such as manufacturer, contractor or builder’s
  • Pre-existing conditions
  • Appliances without a visible serial or model number
  • Improperly installed or repaired items
  • Chimneys, vents and exhaust lines
  • Damages caused by neglect or misuse of home appliances and systems
  • Damages from excess water pressure
  • Damages caused by pets, pests or natural disasters like floods and fire
  • Any damages from remodeling or unauthorized repairs
  • Missing equipment or parts
  • Issues due to mold, mildew, fungus, condensation or wet/dry rot
  • Removing asbestos or other hazardous material

For more information about coverage, limitations and exclusions you can check out Cinch Home Services’ sample contract. This will also help you understand your benefits and other pertinent information, like reasons your home warranty claim may be denied.

Cinch Home Services Availability

State availability

Cinch Home Services is available in 47 states across the country, except for California, Hawaii and Alaska.

Contact information

Cinch’s customer service is available 24/7.

To request a service or submit a claim you can call at 1-844-324-5688 or log into your account at my.cinchhomeservices.com.

To request a quote you can call 1-833-218-6651 or you can complete an online form on the company’s website.

For general inquiries and information you can send an email to info@cinchhomeservices.com or fill up the contact form on Cinch’s website.

User experience

Cinch provides access to an intuitive, mobile-friendly website where users can easily get a quote and submit a claim directly from the My Account customer portal.

By visiting their portal, you can also:

  • Manage your plan
  • Open service requests
  • Check service status
  • Update contact information
  • Change your payment method

Cinch Home Services Credentials

Regulatory or legal actions

A lawsuit filed in 2020 that named Cinch Home Services as a defendant was located during the course of our research. The case, which was filed in the California Central District Court, alleged violations of the Telephone Consumer Protection Act. No regulatory actions or other major lawsuits were located at the time of this writing.

Although we try to include accurate and up-to-date information on regulatory and legal actions, this information may not be complete or fully up to date. We recommend you do your own research for the latest information.

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Cinch Home Services Customer Satisfaction

Third-party ratings

  • Better Business Bureau: 1.12 out of 5 star rating average based on 1,620 customer reviews.

Customer complaints

Cinch is an accredited Better Business Bureau member with a B rating. According to its BBB profile the company has closed 7,478 complaints in the last three years and 1,872 in the last 12 months.

Most common customer complaints have to do with:

  • Technicians failing to show up or repair appliances properly
  • Problems with claims payments
  • Long waiting periods for appliance replacements and repairs

The data above is based on research that was available at the time of publication.

Cinch Home Services Comparison

Here’s how Cinch Home Services compares to other home warranty companies in the industry.

Cinch Home Services vs. First American Home Warranty

First American Home Warranty plans cover a combination of appliances and home systems at a competitive price. The company offers three tiered plans: Starter Plan, Essential Plan and Premium Plan.

The lower-tiered plan covers three major systems — electrical, plumbing and heating — and key kitchen appliances like dishwasher, refrigerator and cooktops. The Essential Plan adds coverage for laundry appliances, water heaters and air conditioning. The Premium Plan includes all covered appliances and systems, and offers higher coverage limits.

While comprehensive, there are some items that First American doesn’t cover but that you can find in a Cinch’s home warranty plan, such as coverage for doorbell systems, built-in food centers and freestanding ice makers.

Additionally, FIrst American offers higher coverage caps for appliances than Cinch, especially for customers with a Premium Plan, which covers up to $7,000 for kitchen and laundry appliances. Most home systems repairs, though, are capped at $1,500, compared to Cinch’s typical maximum of between $1,000 and $1,500 depending on the system.

A major drawback is that First American is available in fewer states than Cinch Home Services — First American covers 35 states, while Cinch is available in 47. However, First American may be worth considering if available in your area.

Company

Plan pricing
(per month)

Service Fee
(or deductible)

Availability

BBB Rating

Cinch Home Services

$38.99 - $66.99

$100, $125, $150

47 states

B

First American Home Warranty

$47 - $72**

$75, $100, $125

35 states

B

Read the full First American Home Warranty review

Cinch vs. Choice Home Warranty

Choice Home Warranty offers affordable plans and coverage for most major home systems and appliances.

Unlike Cinch Home Services, Choice doesn’t feature appliance-only or system-only plans, instead it offers two plans that cover a combination of both. The main difference between Choice’s Basic Plan and its Total Plan is that the latter includes coverage for air conditioning systems and laundry appliances.

However, when compared, Cinch’s plans include coverage for several items that Choice doesn’t cover, such as freestanding ice makers, doorbell systems, built-in food centers, wall ovens, smoke detectors and instant water dispensers.

Although available in more states and charges a fixed service call fee, Choice Home Warranty isn’t currently accredited by the BBB and has C rating, which is lower than Cinch’s B rating.

Additionally, as of this writing, Choice Home Warranty also has a pending government action filed by the Arizona Attorney General which alleges the company was making false promises to customers. The company is also the subject of multiple complaints related to unauthorized transactions after customers cancel their plans, according to the company’s profile in BBB.

Company

Plan pricing
(per month)

Service Call Fee
(or deductible)

Availability

BBB Rating

Cinch Home Services

$72.99 - $93.99

$100, $125, $150

47 states

B

Choice Home Warranty

$46 - $55*

$85

49 states

C

Read the full Choice Home Warranty review

Explore other home warranty options

Check our reviews for other home warranty companies you can consider:

Cinch Home Warranty FAQs

What is Cinch Home Services?

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Formerly Cross Country Home Services, Cinch Home Services is a home warranty company with headquarters in Florida and over 40 years of experience in the industry. The company offers three home warranty plans for appliances and built-in systems and currently serves 47 states.

What does Cinch home warranty cover?

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Cinch's home warranty plans cover major home systems and appliances, including items that many companies typically offer as an add-on, such as door bells, smoke detectors, freestanding ice makers and jetted tubs.

How to cancel Cinch home warranty services

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You can cancel a Cinch home warranty contract by telephone or in writing within 30 days of the effective coverage date for a full refund. After the 30 day period, you may be entitled to a prorated refund less a $25 processing fee and the cost of any pending services.

How much is Cinch's home warranty?

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As with most home warranty policies, the cost of Cinch's home warranty plans varies depending on the location of your property and the deductible amount (service call fee) you choose. Monthly prices start as low as $30.99 for appliances, $35.99 for systems and at around $44.99 for its comprehensive Complete Home plan.

How We Evaluated Cinch Home Services

We evaluated Cinch Home Services based on the following factors:

  • Services offered: We evaluated the company’s coverage, plans, limitations and compared them to that of other home warranty providers.
  • Cost: We compared plan pricing and coverage to determine cost-effectiveness.
  • Availability: We looked for companies with nationwide coverage or that serviced at least 30 states.
  • Legal actions: We researched whether the company had any recent legal or regulatory actions.
  • Customer service: We checked the company’s standing with the Better Business Bureaus and looked into satisfaction ratings and customer reviews to get a better understanding of customers’ experience.

Check out our complete guide to the Best Home Warranty Companies for our full methodology.

Summary of Money’s Cinch Home Warranty Review

Cinch Home Services offers straightforward home warranty plans with plenty of service options and key add-ons to protect your pockets from unexpected repairs. The company also features a longer than average 180-day workmanship guarantee and a discount program should you need to buy brand new appliances.

As usual, we recommend you do your own research before deciding whether Cinch Home Services offers the home warranty coverage you need.

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